# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-26-008119
**Filing Date:** 2026-4
**Character Count:** 1263080
**Document Hash:** 1fd6794b795ef8bd95b57ddd729b68b6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-008119.hdr.sgml**: 20260410

**ACCESSION NUMBER**: 0001999371-26-008119

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

**PUBLIC DOCUMENT COUNT**: 41

**CONFORMED PERIOD OF REPORT**: 20260410

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

**FILED AS OF DATE**: 20260410

**DATE AS OF CHANGE**: 20260410

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 26855627

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

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

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

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

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

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

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

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

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

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

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

------

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

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

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

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

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

Central Index Key Number of depositor: 0001142786

<u>J.P. Morgan Mortgage Trust 2026-LTV1</u><br> (Exact name of issuer as specified in its charter)

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

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

Amie Davis, (212) 623-7441

------

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[99.16](ex99-16.htm) [Inglet Blair Loan Summary](ex99-16.htm)

[99.17](ex99-17.htm) [Maxwell Diligence Solutions, LLC ("Maxwell") Due Diligence Narrative](ex99-17.htm)

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

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

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

[99.21](ex99-21.htm) [Maxwell Data Compare Report](ex99-21.htm)

[99.22](ex99-22.htm) [Wipro Opus Risk Solutions, LLC ("Opus") Due Diligence Narrative](ex99-22.htm)

[99.23](ex99-23.htm) [Opus Data Compare](ex99-23.htm)

[99.24](ex99-24.htm) [Opus Exception Report](ex99-24.htm)

[99.25](ex99-25.htm) [Opus Rating Agency Grades](ex99-25.htm)

[99.26](ex99-26.htm) [Opus Valuation Summary](ex99-26.htm)

[99.27](ex99-27.htm) [Selene Diligence LLC ("Selene") Due Diligence Narrative](ex99-27.htm)

[99.28](ex99-28.htm) [Selene Data Compare Report](ex99-28.htm)

[99.29](ex99-29.htm) [Selene Standard Findings Report](ex99-29.htm)

[99.30](ex99-30.htm) [Selene Rating Agency Grades Summary Report](ex99-30.htm)

[99.31](ex99-31.htm) [Selene Valuation Report](ex99-31.htm)

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | j.p. morgan acceptance corporation ii | j.p. morgan acceptance corporation ii |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Depositor) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(Depositor) |
| Date: April 10, 2026 | /s/ Michael Brown | /s/ Michael Brown |
|  | Name: | Michael Brown |
|  | Title: | Chief Executive Officer (Senior Officer in charge of securitization) |

---

## Exhibit 99.1

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.1**

![](ex99_001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

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

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

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

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

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

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

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

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

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

**Item 3: Credit rating criteria** 

---

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

---

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

See attached.

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

See attached.

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![](ex99_001.jpg)

**CERTIFICATION**

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

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

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

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

Date: <u>April 10, 2026</u> 

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![](ex99_001.jpg)

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

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

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

The loans in the Review carried origination dates between May 2024 and February 2026.

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

The Review was conducted on two hundred forty-seven (247) loans selected by the Client with an aggregate original principal balance of approximately $199.729 million. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

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

---

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

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

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

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

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

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

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

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

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

**DU/LP/Zippy Review** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

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*<u>Qualified Mortgage</u>*

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

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

---

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

---

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

---

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

* Initial application (1003);

* Underwriting summary / loan approval (1008);

* Credit report;

* Income and employment documentation;

* 4506T;

* Asset documentation;

* Sales contract;

* Hazard and/or flood insurance policies;

* Copy of note for any junior liens;

* Appraisal;

* Title/Preliminary Title;

* Final 1003;

* Changed circumstance documentation;

* Right of Rescission Disclosure;

* Mortgage/Deed of Trust;

* Note;

* Mortgage Insurance;

* Tangible Net Benefit Disclosure;

* Subordination Agreement;

* FACTA disclosures;

* Notice of Special Flood Hazards;

* Initial and final GFE's;

* HUD from sale of previous residence;

* Final HUD-1;

* Initial TIL;

* Final TIL;

* Loan Estimates;

* Closing Disclosures; and

* Certain other disclosures related to the enumerated
tests set forth herein.

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

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

**(9) Disclaimer.**

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

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

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

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

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

**OVERALL REVIEW RESULTS SUMMARY**

There were two hundred forty-seven (247) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, one hundred twenty-seven (127) (51.42%) loans had an overall loan grade of "B". Twenty-eight (28) of the loans with an overall grade of "B" had exceptions across multiple exception types. After all documents were presented, under the applicable DBRS and S&P NRSRO grading criteria, one hundred sixteen (116) (46.96%) loans had an overall loan grade of "B". Twenty-five (25) of the loans with an overall grade of "B" had exceptions across multiple exception types.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Fitch, Kroll, and Moody's Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;35 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***148*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**148** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***54*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**54** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**203** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**DBRS and S&P Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***125*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**125** |

---

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![](ex99_001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***54*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**54** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**180** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the two hundred forty-seven (247) loans reviewed, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, one hundred six (106) had a Compliance Review "B" grade. Twenty-eight (28) of the loans with an overall grade of "B" had multiple compliance exceptions. Of the two hundred forty-seven (247) loans reviewed, under the applicable DBRS and S&P NRSRO grading criteria, ninety-two (92) had a Compliance Review "B" grade. Twenty-two (22) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;141 | &nbsp;&nbsp;57.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;106 | &nbsp;&nbsp;42.91% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;155 | &nbsp;&nbsp;62.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;92 | &nbsp;&nbsp;37.25% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the two hundred forty-seven (247) loans reviewed, under the applicable NRSRO grading criteria, one (1) loan had a Property Review "B" grade for property/appraisal related issues (see exception detail below).

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;246 | &nbsp;&nbsp;99.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

One hundred ninety-eight (198) mortgage loans (80.16%) of the total received an "A" Credit Review grade. The forty-nine (49) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;198 | &nbsp;&nbsp;80.16% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;49 | &nbsp;&nbsp;19.84% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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![](ex99_001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the two hundred forty-seven (247) mortgage loans reviewed, there were 234 tape discrepancies across twenty-one (21) unique data fields. The most common tape discrepancies were Original Interest Rate (12.55%), Investor: Qualifying Total Debt Ratio (10.12%), and Note Date (8.50%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;31 | &nbsp;&nbsp;12.55% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;25 | &nbsp;&nbsp;10.12% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;21 | &nbsp;&nbsp;8.50% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;20 | &nbsp;&nbsp;8.10% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;17 | &nbsp;&nbsp;6.88% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.07% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.07% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;14 | &nbsp;&nbsp;5.67% |
| &nbsp;&nbsp;Other Financing Junior Total Original Loan Amount | &nbsp;&nbsp;11 | &nbsp;&nbsp;4.45% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.64% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.64% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;9 | &nbsp;&nbsp;3.64% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.24% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.83% |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.83% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;6 | &nbsp;&nbsp;2.43% |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.62% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% |

---

**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;123 | &nbsp;&nbsp;49.80% | &nbsp;&nbsp;$141181672.00 | &nbsp;&nbsp;70.69% |
| &nbsp;&nbsp;Non QM | &nbsp;&nbsp;79 | &nbsp;&nbsp;31.98% | &nbsp;&nbsp;$30606302.00 | &nbsp;&nbsp;15.32% |
| &nbsp;&nbsp;Higher Priced QM (APOR) | &nbsp;&nbsp;44 | &nbsp;&nbsp;17.81% | &nbsp;&nbsp;$26321140.00 | &nbsp;&nbsp;13.18% |
| &nbsp;&nbsp;Exempt from ATR | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$1619820.00 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$199728934.00** | &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;222 | &nbsp;&nbsp;89.88% | &nbsp;&nbsp;$166776727.00 | &nbsp;&nbsp;83.50% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;25 | &nbsp;&nbsp;10.12% | &nbsp;&nbsp;$32952207.00 | &nbsp;&nbsp;16.50% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$199728934.00** | &nbsp;&nbsp;**100.00%** |

---

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![](ex99_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;247 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$199728934.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$199728934.00** | &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;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;126 | &nbsp;&nbsp;51.01% | &nbsp;&nbsp;$55232954.00 | &nbsp;&nbsp;27.65% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;79 | &nbsp;&nbsp;31.98% | &nbsp;&nbsp;$94878024.00 | &nbsp;&nbsp;47.50% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;27 | &nbsp;&nbsp;10.93% | &nbsp;&nbsp;$28283214.00 | &nbsp;&nbsp;14.16% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.07% | &nbsp;&nbsp;$21334742.00 | &nbsp;&nbsp;10.68% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$199728934.00** | &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;247 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$199728934.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$199728934.00** | &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;149 | &nbsp;&nbsp;60.32% | &nbsp;&nbsp;$113371375.00 | &nbsp;&nbsp;56.76% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;87 | &nbsp;&nbsp;35.22% | &nbsp;&nbsp;$77787580.00 | &nbsp;&nbsp;38.95% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.24% | &nbsp;&nbsp;$4357280.00 | &nbsp;&nbsp;2.18% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$1999999.00 | &nbsp;&nbsp;1.00% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$1678700.00 | &nbsp;&nbsp;0.84% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.40% | &nbsp;&nbsp;$534000.00 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$199728934.00** | &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;244 | &nbsp;&nbsp;98.79% | &nbsp;&nbsp;$196355832.00 | &nbsp;&nbsp;98.31% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;$3373102.00 | &nbsp;&nbsp;1.69% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**247** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$199728934.00** | &nbsp;&nbsp;**100.00%** |

---

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

**EXCEPTION DETAIL**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;63 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - QM / ATR | &nbsp;&nbsp;20 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - QM | &nbsp;&nbsp;11 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;10 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;4&nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - General Ability to Repay | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland Counseling Agencies Disclosure Not in File | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Right of Rescission Timing - Note Date used as Transaction Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General QM Provision Investor DTI moderately exceeds Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Appraisal Provided Prior to Date Performed | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Right to Cancel Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State High Cost) Georgia High-Cost Loan (Points and Fees) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Massachusetts HPML Threshold Test Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Product Testing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;39 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;11 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: UCC Financing Statement/Certificate of Title not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;AUS Findings: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Appraisal is required to be in name of Lender | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Exceptions** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Exception Type** |
| &nbsp;&nbsp;Fannie Mae 2014 - 3% Points and Fees | &nbsp;&nbsp;63 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - QM | &nbsp;&nbsp;11 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;10 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TIL Higher Priced Mortgage Loan Safe Harbor Test | &nbsp;&nbsp;4 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland Counseling Agencies Disclosure Not in File | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - ATR | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Amount Financed Test | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Finance Charge | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Not Provided Timely | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Right of Rescission Timing - Note Date used as Transaction Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;General QM Provision Investor DTI moderately exceeds Guidelines | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Total Of Payments | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Appraisal Provided Prior to Date Performed | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Right to Cancel Missing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State High Cost) Georgia High-Cost Loan (Points and Fees) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Massachusetts HPML Threshold Test Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Final Closing Disclosure Product Testing | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;39 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

19 \| Page

![](ex99_001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;11&nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Missing Document: UCC Financing Statement/Certificate of Title not provided | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;AUS Findings: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Guideline Requirement: Investor qualifying total debt ratio discrepancy. | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Appraisal is required to be in name of Lender | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Property |

---

20 \| Page

## Exhibit 99.2

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 304358889 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304358889 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304358873 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304358873 | Other Financing Junior Total Original Loan Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 304358781 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304358781 | Other Financing Junior Total Original Loan Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 304358867 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304358867 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 304358867 | Other Financing Junior Total Original Loan Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 304358794 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304358794 | Other Financing Junior Total Original Loan Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 304358811 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304358811 | Other Financing Junior Total Original Loan Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 304358775 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304358775 | Other Financing Junior Total Original Loan Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 304358780 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304358780 | Other Financing Junior Total Original Loan Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 304358827 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304358827 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 304358827 | Other Financing Junior Total Original Loan Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 304358864 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304358864 | Representative FICO | 730 | 721 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304358864 | Other Financing Junior Total Original Loan Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 304358761 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304358761 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304358761 | Other Financing Junior Total Original Loan Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 304358771 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304358771 | Original Interest Rate | 7.5 | 7.499 | Verified | Field Value reflects the Note value |
| 304358771 | Original CLTV | 100 | 97 | 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) |
| 304358771 | Other Financing Junior Total Original Loan Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 304427475 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304441706 | Investor: Qualifying Total Debt Ratio | 35 | 39.07518 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304443456 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304443456 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304441980 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304441980 | Original Interest Rate | 8 | 7.999 | Verified | Field Value reflects the Note value |
| 304441980 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304441980 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304443098 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304443098 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304443098 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304443098 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304443098 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304443098 | Representative FICO | 740 | 739 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304443098 | Investor: Qualifying Total Debt Ratio | 37.843 | 42.13047 | Verified | 1008 reflect total DTI of 42.156% |
| 304471500 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304471500 | Investor: Qualifying Total Debt Ratio | 43.993 | 47.95554 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304441699 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304441699 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304441699 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304441699 | Original CLTV | 81.52 | 89.99 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304441699 | Original LTV | 81.52 | 89.99 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304485319 | Investor: Qualifying Total Debt Ratio | 41.557 | 46.09974 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304638960 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304492827 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304492827 | Original CLTV | 89.99 | 87.15315 | 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) |
| 304492827 | Original LTV | 89.99 | 87.15315 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304459542 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304459542 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304459542 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304459542 | Investor: Qualifying Total Debt Ratio | 40.6939 | 44.17438 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304462347 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304462347 | Refi Purpose | Cash-out | Rate/Term | Verified | Client request to re-review as R/T. |
| 304462347 | Original CLTV | 66.67 | 89.99 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304462347 | Original LTV | 66.67 | 89.99 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304665164 | Investor: Qualifying Total Debt Ratio | 40.85 | 45.63413 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304677376 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304677376 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304681410 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304681410 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304681410 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304681410 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304681410 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304681410 | Investor: Qualifying Total Debt Ratio | 49.88 | 45.2072 | Verified | Matches approval. |
| 304692233 | Original Interest Rate | 7.5 | 7.499 | Verified | Field Value reflects the Note value |
| 304687109 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304687109 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304687109 | Original CLTV | 81 | 89.99889 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304687109 | Original LTV | 81 | 89.99889 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304687109 | Investor: Qualifying Total Debt Ratio | 44.31 | 47.84493 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304700970 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304705674 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304693753 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304693753 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304716890 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304691525 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304678229 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304678229 | Original Interest Rate | 8.125 | 7.875 | Verified | Field Value reflects the Note value |
| 304679521 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304691198 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304691198 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304691198 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304700340 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304700340 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 304688659 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304729977 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304729977 | Original CLTV | 79.58 | 85.90909 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304729977 | Original LTV | 79.58 | 85.90909 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304724427 | Investor: Qualifying Total Debt Ratio | 34.56 | 38.93109 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304728269 | Investor: Qualifying Total Debt Ratio | 44.73 | 48.08858 | Verified | Matches approval. |
| 304730688 | Appraised Value | xxxx | xxxx | Verified | Field Value reflects Approval/AUS value |
| 304730688 | Original CLTV | 79.47 | 89.88095 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304730688 | Original LTV | 79.47 | 89.88095 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304732183 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304732183 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304726378 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304726378 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304702493 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304702493 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304702493 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304722299 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304722299 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304707123 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304707123 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 304730236 | Investor: Qualifying Total Debt Ratio | 37.87 | 31.41624 | Verified | 1008 reflects 31.41% DTI |
| 304731019 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304735861 | Original Interest Rate | 7.5 | 7.499 | Verified | Field Value reflects the Note value |
| 304735861 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304745140 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304756753 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 304760520 | Coborrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304760520 | Coborrower Last Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304758933 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304816022 | Investor: Qualifying Total Debt Ratio | 43.2 | 48.86311 | Verified | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |
| 304672340 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304672340 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304672340 | Investor: Qualifying Total Debt Ratio | 45.25 | 49.95958 | Verified | Field Value DTI matches 1008 DTI of 49.96%. |
| 304777339 | Coborrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304777339 | Coborrower Last Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304819244 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304819244 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304823092 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304823092 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304755130 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304828160 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304828160 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304819662 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304850698 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304845357 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304845357 | Original CLTV | 71.93 | 89.99899 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304845357 | Original LTV | 71.93 | 89.99899 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304818631 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304849327 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304849327 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304840915 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304852060 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304734750 | Investor: Qualifying Total Debt Ratio | 18 | 23.27884 | Verified | Field Value DTI matches 1008 DTI |
| 304777632 | Representative FICO | 795 | 777 | Verified | Matching with AUS |
| 304777632 | Investor: Qualifying Total Debt Ratio | 19.4519 | 30.09637 | Verified | DTI is matches with 1008/ Slight difference is because of REO Expense |
| 304757896 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304757896 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304757896 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304757896 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304757896 | Investor: Qualifying Total Debt Ratio | 30.4174 | 39.0669 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304763359 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304818370 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304845420 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304855013 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304856529 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 304846263 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304846263 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304844613 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304839439 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304839439 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 304860644 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304846551 | Investor: Qualifying Total Debt Ratio | 46.12 | 41.63985 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 304866979 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304873951 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304868227 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304868227 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304874789 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304874789 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304849012 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304874784 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304874784 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304874784 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304871515 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 304865143 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304876550 | Investor: Qualifying Total Debt Ratio | 35.15 | 31.61772 | Verified | Matching with 1008 |
| 304873079 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304873954 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304768637 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 304768637 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304777296 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304777296 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304777296 | Original Interest Rate | 8.375 | 8.125 | Verified | Field Value reflects the Note value |
| 304777296 | Representative FICO | 736 | 711 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304823389 | Investor: Qualifying Total Debt Ratio | 33.4734 | 38.37008 | Verified | DTI matches with 1008 in file |
| 304819235 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304819235 | Investor: Qualifying Total Debt Ratio | 42.995 | 46.43619 | Verified | Qualified using YTD P&L as most conservative approach. Missing letter of explanation justification of lower P&L income. |
| 304819235 | Decision System |  | DU | Verified | Field value reflects source document |
| 304841698 | Decision System | LP / LPA | DU | Verified | Field value reflects source document |
| 304822776 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304822776 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304822776 | Investor: Qualifying Total Debt Ratio | 23.5 | 35.48094 | Verified | Per AUS DTI is 35.48% and calculated DTI is 35.48% |
| 304822776 | Decision System | LP / LPA | DU | Verified | Field value reflects source document |
| 304844565 | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304868812 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868812 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304868812 | Investor: Qualifying Total Debt Ratio | 28.5602 | 24.71511 | Verified | Per AUS DTI is 24.75% and calculated DTI is 24.72% due to the credit of $xxxx vs AUS of $xxxx as there is no verification in file for xxxx account# xxxx for $xxxx with a balance of $xxxx. |
| 304869494 | Investor: Qualifying Total Debt Ratio | 36.17 | 39.75099 | Verified | Field Value DTI is within tolerance of 1008 DTI 39.621%. |
| 304874865 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305035595 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305035595 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305044964 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305051408 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 305044845 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305044845 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305044845 | Original Interest Rate | 6.5 | 6.499 | Verified | Field Value reflects the Note value |
| 305047545 | Original Interest Rate | 8.25 | 8.249 | Verified | Field Value reflects the Note value |
| 305047489 | Original Interest Rate | 7.61 | 7.608 | Verified | Field Value reflects the Note value |
| 305042673 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305042673 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304874110 | Note Date | xxxx | xxxx | Verified | Bid Tape Field Value is blank. |
| 304874110 | Original Interest Rate | 7.625 | 7.5 | Verified | Field Value reflects the Note value |
| 305031588 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305031588 | Original Interest Rate | 8.12 | 8.124 | Verified | Field Value reflects the Note value |
| 305031588 | Investor: Qualifying Total Debt Ratio | 25.08 | 29.30435 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 305053460 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Title |
| 305053460 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Title |
| 305053460 | Original Interest Rate | 8.5 | 8.498 | Verified | Field Value reflects the Note value |
| 305053460 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305053460 | Original CLTV | 69.07 | 89.99697 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305053460 | Original LTV | 69.07 | 89.99697 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305052348 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305052348 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305046129 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305046129 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305046129 | Original Interest Rate | 8.22 | 8.219 | Verified | Field Value reflects the Note value |
| 305055004 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 305055004 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 304861645 | Occupancy | Second Home | Primary | Verified | Field Value reflects Occupancy per the Final Loan Application |
| 304861645 | Investor: Qualifying Total Debt Ratio | 49.9671 | 46.71516 | Verified | Field Value DTI is higher than 1008 due to missing payoff for debt xxxx #xxxx. |
| 304861645 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |

---

## Exhibit 99.3

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 304358889 | 31059509 |  | 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 Re-Inspection Fee. Fee Amount of $400.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/06/2024 |  | 1 A |  | WI | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358889 | 31078600 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 B A C |  | WI | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358889 | 31078601 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Simultaneous Loan | General QM: Simultaneous loan payment was not considered in loan qualification. |  |  |  |  | xxxx | 07/17/2024 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358873 | 31060246 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 07/22/2024 |  |  | 1 B A C |  | MD | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304358873 | 31060247 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304358873 | 31060248 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304358873 | 31073717 |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | xxxx |  |  |  | xxxx | 07/12/2024 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304358873 | 31078622 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Simultaneous Loan | General QM: Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 C A |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304358873 | 31180475 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | MD | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304358781 | 31061334 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358781 | 31061335 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 07/12/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358781 | 31065820 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358781 | 31088175 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Simultaneous Loan | Ability to Repay (Dodd-Frank 2014): Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358781 | 31088176 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 07/12/2024 |  |  | 1 A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358867 | 31059608 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 07/11/2024 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358867 | 31059609 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 07/11/2024 |  |  | 1 A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358867 | 31059610 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358867 | 31059611 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358867 | 31076556 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.87058% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 07/11/2024 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358867 | 31076563 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 07/11/2024 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358867 | 31076564 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 07/11/2024 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358867 | 31076583 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 07/11/2024 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358867 | 31077241 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Simultaneous Loan | Ability to Repay (Dodd-Frank 2014): Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358794 | 31060787 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 07/12/2024 |  |  | 1 C A |  | MN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358794 | 31060846 |  | 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 $102.00 exceeds tolerance of $92.00 plus 10% or $101.20. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/08/2024 |  | 1 A |  | MN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358794 | 31068063 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | MN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358794 | 31069029 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 C A |  | MN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358794 | 31069030 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 B A C |  | MN | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358794 | 31088468 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Simultaneous Loan | Ability to Repay (Dodd-Frank 2014): Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | MN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358794 | 31088469 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | MN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358811 | 31061527 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358811 | 31061635 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 07/11/2024 |  |  | 1 C A |  | UT | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358811 | 31088056 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | UT | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358811 | 31088057 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Simultaneous Loan | General QM: Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358751 | 31059716 |  | 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 $247.00 exceeds tolerance of $182.00 plus 10% or $200.20. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/06/2024 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358751 | 31059722 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx |  |  |  | xxxx | 07/15/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358751 | 31063843 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358751 | 31088278 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358751 | 31088279 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Simultaneous Loan | General QM: Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358775 | 31065252 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358775 | 31065253 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 07/12/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358775 | 31065256 |  | 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 $660.00 exceeds tolerance of $535.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/08/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358775 | 31065674 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358775 | 31090094 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Simultaneous Loan | Ability to Repay (Dodd-Frank 2014): Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/12/2024 |  |  | 1 A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358775 | 31090095 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 07/12/2024 |  |  | 1 A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358775 | 31107435 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Simultaneous Loan | General QM: Simultaneous loan payment was not considered in loan qualification. |  |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358780 | 31060430 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/18/2024 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358780 | 31060431 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 07/18/2024 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358780 | 31060507 |  | 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 $90.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/08/2024 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358780 | 31060518 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. | xxxx |  |  |  | xxxx |  | 07/19/2024 |  | 2 C B |  | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358780 | 31060519 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | xxxx |  |  |  | xxxx |  | 07/19/2024 |  | 2 C B |  | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358780 | 31060533 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 B A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358780 | 31078902 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Simultaneous Loan | Ability to Repay (Dodd-Frank 2014): Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358780 | 31078903 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358827 | 31064204 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/18/2024 |  |  | 1 B A C |  | MI | Primary | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358827 | 31064205 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 07/18/2024 |  |  | 1 C A |  | MI | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358827 | 31077684 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | xxxx |  |  |  | xxxx | 07/11/2024 |  |  | 1 D A |  | MI | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358827 | 31079038 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Simultaneous Loan | Ability to Repay (Dodd-Frank 2014): Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 C A |  | MI | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358827 | 31079039 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | MI | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358864 | 31060813 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | xxxx | 07/12/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358864 | 31060827 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358864 | 31060851 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358864 | 31060852 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358864 | 31060853 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358864 | 31060855 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,510.70 exceeds tolerance of $1,174.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/08/2024 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358864 | 31087206 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Simultaneous Loan | Ability to Repay (Dodd-Frank 2014): Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/12/2024 |  |  | 1 A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358864 | 31087207 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 07/12/2024 |  |  | 1 A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358864 | 31107629 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Simultaneous Loan | General QM: Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358761 | 31066197 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 07/17/2024 |  |  | 1 C A |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304358761 | 31066198 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 C A |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304358761 | 31066199 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304358761 | 31066200 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 07/22/2024 |  |  | 1 B A C |  | NV | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304358761 | 31066201 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 07/11/2024 |  |  | 1 C A |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304358761 | 31079745 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Simultaneous Loan | Ability to Repay (Dodd-Frank 2014): Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 C A |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304358761 | 31079746 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304358761 | 31180531 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | NV | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304358868 | 31073379 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358868 | 31086912 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358868 | 31086913 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Simultaneous Loan | General QM: Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358771 | 31066230 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 07/11/2024 |  |  | 1 C A |  | NE | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358771 | 31066900 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | xxxx |  |  |  | xxxx | 07/10/2024 |  |  | 1 C A |  | NE | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304358771 | 31086994 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | NE | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304358771 | 31086995 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Simultaneous Loan | General QM: Simultaneous loan payment was not considered in loan qualification. | xxxx |  |  |  | xxxx | 07/17/2024 |  |  | 1 A |  | NE | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304427026 | 32270129 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 12/12/2024 |  |  | 1 B A C |  | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304427026 | 32270130 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 12/12/2024 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304427475 | 35245697 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | UT | Primary | Purchase | A B | Non QM | Safe Harbor QM (APOR) | No |
| 304441706 | 32344400 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304441706 | 32344480 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 12/18/2024 |  |  | 1 B A C |  | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304441706 | 32344481 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 12/18/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304441706 | 32344482 |  | 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 Originator Compensation. Fee Amount of $9,819.16 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304441706 | 32344483 |  | 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 $792.00 exceeds tolerance of $700.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304441706 | 32344484 |  | 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 $1,201.50 exceeds tolerance of $1,148.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304441706 | 32346321 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304441706 | 32441845 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304441706 | 32441846 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304441706 | 32444270 |  | 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 $792.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 12/19/2024 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304441706 | 32444271 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,201.50 exceeds tolerance of $1,148.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 12/19/2024 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304443456 | 32351820 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | ID | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304443456 | 32351968 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 B A C |  | ID | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304443456 | 32351969 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | ID | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304443456 | 32434670 |  | Credit | Missing Document | General | Missing Document | Missing Document: UCC Financing Statement/Certificate of Title not provided |  | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score is above 680. | Borrower has been with current employer for 5 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/07/2025 | 2 C B |  | ID | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304443456 | 32448798 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | ID | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304443456 | 32448799 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | ID | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304441980 | 32437591 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304441980 | 32437622 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score is above 680. | 13 years with current employer. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/24/2024 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304441980 | 32437636 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 B A C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Non QM | Yes |
| 304441980 | 32437637 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 01/07/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304441980 | 32585796 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Safe Harbor QM (APOR) | Non QM | Yes |
| 304441980 | 32585797 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx |  |  |  |  |  |  |  | 2 A B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Non QM | No |
| 304471500 | 32662853 |  | 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 $813.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 01/17/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304471500 | 32662882 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 01/30/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304471500 | 32664998 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 01/20/2025 |  |  | 1 B A C |  | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304471500 | 32669466 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304441699 | 32679454 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 01/24/2025 |  |  | 1 B A C |  | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304485319 | 32755057 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304485319 | 32755058 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 02/05/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304638960 | 32915077 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/22/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304492827 | 32908799 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | 39.05196% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2025 | 2 C B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304492827 | 32908851 |  | 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 Verification Of Employment Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/18/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304492827 | 32931256 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304459542 | 33063120 |  | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). |  | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304459542 | 33063122 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 01/09/2025 | 2 B |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304459542 | 33063123 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | xxxx |  |  |  | xxxx | 01/22/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304459542 | 33063124 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 02/10/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304459542 | 33063126 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 02/07/2025 |  |  | 1 B A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304459542 | 33063127 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 02/11/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304462347 | 33063515 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Final 1003 reflects employment for xxxx with $0.00 income being used by lender. 2022 1120 document present in file however no document available for 2023 to evidence current status of this business. Additionally, borrower is paying off liability $xxxx to same business as per final CD. |  |  |  | xxxx | 02/24/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304462347 | 33063516 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 02/25/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304462347 | 33063517 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 02/25/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304462347 | 33063518 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Loan was locked as a cash out-refinance. 1008 is conflicting and states rate term, refinance and buying out partners. Property is free and clear yet is paying monies directly to C-Corp borrower is 10%owner of per 2022 tax returns. In addition, this is primary residence and borrower 1003 has no record of living there and no LOE provided. The loan does not qualify under FNMA section B2-1.3-03, Cash-Out Refinance Transactions for either cash out refinance or buy out of others parties. |  |  |  | xxxx | 02/25/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304665164 | 33093956 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 05/09/2025 |  |  | 1 B A C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304665164 | 33093957 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 05/09/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304665164 | 33093959 |  | 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 $943.50 exceeds tolerance of $750.00 plus 10% or $825.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/21/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304665164 | 33093960 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $109.90 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/21/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304677376 | 33224472 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304677376 | 33224508 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304677376 | 33224750 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304677376 | 33224893 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304677376 | 33224894 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/17/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304677376 | 33230788 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,199.00 exceeds tolerance of $1,100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/10/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304681410 | 33349473 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 05/02/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304681410 | 33349475 |  | 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 $800.00 exceeds tolerance of $725.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 05/12/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304681410 | 33402514 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304691354 | 33368258 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304691354 | 33368260 |  | 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 Origination Fee. Fee Amount of $8,330.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304692233 | 33436000 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304692233 | 33436001 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304692233 | 33436002 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304692233 | 33436003 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304692233 | 33436004 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304692233 | 33436005 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 05/15/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304692233 | 33436006 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304692233 | 33436014 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. | xxxx |  |  |  | xxxx |  | 05/30/2025 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| 304692233 | 33436088 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304687415 | 33441374 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 05/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304687109 | 33476822 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Higher Priced QM (APOR) | No |
| 304687109 | 33476823 |  | 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 $7,277.70 exceeds tolerance of $6,550.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/21/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Higher Priced QM (APOR) | Yes |
| 304687109 | 33476824 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  | xxxx |  | 06/03/2025 |  | 2 C B |  | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Higher Priced QM (APOR) | Yes |
| 304687109 | 34479314 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Higher Priced QM (APOR) | No |
| 304701052 | 33504251 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $7,692.50 exceeds tolerance of $7,692.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/22/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304703055 | 33512806 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 05/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304703055 | 33512812 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 05/28/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304703055 | 33531936 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304698261 | 33518577 |  | 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 $2,000.00 exceeds tolerance of $1,200.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/27/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304698261 | 33518674 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 06/23/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304704945 | 33518709 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | B A | Non QM | Safe Harbor QM (APOR) | No |
| 304704945 | 34496798 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | WA | Primary | Refinance - Cash-out - Other | B A | Non QM | Safe Harbor QM (APOR) | No |
| 304705675 | 33526872 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/28/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304698342 | 33542534 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304698342 | 33542545 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  | xxxx |  | 06/11/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 304698342 | 33542642 |  | 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 $565.00 exceeds tolerance of $350.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 05/30/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304700968 | 33549013 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304700968 | 33549016 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/02/2025 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304700968 | 33549035 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304700968 | 33549037 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 06/05/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304700968 | 33564850 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304710838 | 33590890 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score is above 680.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Good credit and employment history. Over 6 months reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 06/09/2025 | 2 B |  | MA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304710838 | 33591188 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 06/11/2025 |  |  | 1 B A C |  | MA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304710838 | 33591219 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 06/11/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304691511 | 33606744 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $282.00 exceeds tolerance of $270.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/09/2025 |  | 1 A |  | OK | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304691511 | 33606772 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304691511 | 33606817 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304700970 | 33649516 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304700970 | 33649525 |  | 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 Loan Origination Fee. Fee Amount of $9,001.32 exceeds tolerance of $9,000.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/13/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304705674 | 33653879 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 07/16/2025 |  | 2 C B |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304693753 | 33665216 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 06/17/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304693753 | 33665217 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 06/17/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304693753 | 33665218 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 06/17/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304693753 | 33665219 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 06/17/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304693753 | 33665220 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 06/17/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304693753 | 33665221 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304716890 | 33662124 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304716890 | 33662126 |  | 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 $153.00 exceeds tolerance of $125.00 plus 10% or $137.50. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/16/2025 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304691525 | 33679541 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing 2024 Ext. 7004 for xxxx and xxxx and 2024 1040 ext for xxxx. |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304678229 | 33679679 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 05/12/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304679521 | 33679702 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 05/14/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Exempt from ATR | Exempt from ATR | No |
| 304700261 | 33704344 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304700261 | 33704431 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,448.51 exceeds tolerance of $5,317.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/23/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304688659 | 33724340 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 06/30/2025 |  |  | 1 B A C |  | MN | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304688659 | 33809768 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | MN | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304720322 | 33723009 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304724645 | 33731627 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | WY | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304724645 | 33731688 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | WY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304712988 | 33732115 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304712988 | 33732117 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-84.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/27/2025 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304712988 | 33732118 |  | 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 $4,460.87 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/27/2025 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304711704 | 33757446 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304727958 | 33806736 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304727958 | 33806737 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304727958 | 33806738 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304727958 | 33806739 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304724014 | 33814359 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 07/03/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304724014 | 33817613 |  | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Estimated Values | Final Closing Disclosure used for fees provided on xx/xx/xxxx 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. | xxxx |  |  |  | xxxx | 08/27/2025 |  |  | 1 A |  | AZ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304729977 | 33832890 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304724427 | 33863897 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304724427 | 33863905 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304724427 | 33863906 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 07/16/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304726461 | 33859080 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-164.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 07/25/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304726461 | 33864562 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | 792 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/16/2025 | 2 C B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304726461 | 33864563 |  | 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 ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | 792 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/16/2025 | 2 C B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304726461 | 33864627 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304726461 | 33864629 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304726461 | 33864696 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor DTI significantly exceeds Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines of 55.07701% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 07/21/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304726461 | 33995087 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor DTI moderately exceeds Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines of 50.07946% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score is above 680. | 792 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/16/2025 | 2 B |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304728269 | 33860761 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 07/10/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304728269 | 33860833 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304727177 | 33860580 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304726380 | 33860340 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304726380 | 33860342 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304726380 | 33860343 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304726380 | 33860344 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304726380 | 33860345 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304726380 | 33860348 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/22/2025 |  |  | 1 B A C |  | IA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 304726380 | 33860349 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 07/22/2025 |  |  | 1 C A |  | IA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304726380 | 33860355 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | IA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304726380 | 34004668 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304730688 | 33875851 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304730688 | 33875857 |  | 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 $555.00 exceeds tolerance of $505.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/09/2025 |  | 1 A |  | CT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304717769 | 33874826 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304717769 | 33874859 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304732183 | 33900509 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | WA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304728265 | 33900103 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | Borrower has worked in the same position for more than 3 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score is above 680. | 6 years with current employer. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 07/11/2025 | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Safe Harbor QM (APOR) | No |
| 304728265 | 33900295 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,229.00 exceeds tolerance of $2,205.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 07/11/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Safe Harbor QM (APOR) | Yes |
| 304728265 | 34490905 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Safe Harbor QM (APOR) | No |
| 304726378 | 33919454 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/14/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304702493 | 33936516 |  | 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 $10,088.90 exceeds tolerance of $9,742.50. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/09/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304702493 | 33936518 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 06/09/2025 |  |  | 1 B A C |  | UT | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304702493 | 33936519 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx |  |  | 06/09/2025 | 2 A B |  | UT | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304722299 | 33936591 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 06/11/2025 |  |  | 1 B A C |  | MS | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304722299 | 33936593 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx |  |  | 06/11/2025 | 2 A B |  | MS | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304707123 | 33936654 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 06/19/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304707123 | 33936655 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $302.90 exceeds tolerance of $226.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 06/06/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304726555 | 33945540 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304730236 | 33986954 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304730288 | 33988114 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304730288 | 33988116 |  | 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 $515.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/21/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304730288 | 33988117 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  | xxxx |  | 08/06/2025 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 304728048 | 33993784 |  | 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 $324.00 exceeds tolerance of $134.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 07/21/2025 |  | 1 A |  | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A B | Non QM | Higher Priced QM (APOR) | Yes |
| 304728048 | 34495448 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | AZ | Primary | Refinance - Cash-out - Other | A B | Non QM | Higher Priced QM (APOR) | No |
| 304731019 | 34004905 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304748457 | 34029237 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304748457 | 34029239 |  | 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 Origination Fee. Fee Amount of $5,130.00 exceeds tolerance of $5,107.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/18/2025 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304735861 | 34028242 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304735861 | 34028244 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304736177 | 34027412 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | RI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304752411 | 34094700 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/01/2025 |  | 2 C B |  | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304752411 | 34094701 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 10/01/2025 |  | 2 C B |  | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304752411 | 34094702 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx). The disclosed Total of Payments in the amount of $xxxx is under disclosed by $xxxx compared to the calculated total of payments of $xxxx which exceeds the $100.00 threshold. | xxxx |  |  |  | xxxx |  | 10/01/2025 |  | 2 C B |  | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304752411 | 34125318 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/01/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304752411 | 34125319 |  | 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 $216.50 exceeds tolerance of $134.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/01/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304745140 | 34117177 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304745140 | 34117179 |  | 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 $345.86 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/01/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304745140 | 34117180 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $35.09 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/01/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304764264 | 34157768 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304756753 | 34195452 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304756753 | 34195453 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 09/22/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304756753 | 34530747 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304760520 | 34207435 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304760520 | 34207436 |  | 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 Origination Fee. Fee Amount of $20,000.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304758068 | 34213143 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/05/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304816022 | 34271682 |  | 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 $21,212.50 exceeds tolerance of $20,775.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/22/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304816022 | 34431772 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304816022 | 34431777 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304816022 | 34431778 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 56.13484% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304816022 | 34431779 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304672340 | 34224813 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___<br> ___ | Tax Return Extension for 1040 (2024 and 2023), are all missing in file. Per CPA, automatic extensions were given due to the state of emergency caused by the recent fires in California. Provide copies of extensions. |  |  |  | xxxx | 05/23/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304672340 | 34224816 |  | 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 $182.00 exceeds tolerance of $126.00 plus 10% or $138.60. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304672340 | 34224817 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 07/17/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304672340 | 34224818 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 07/17/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304672340 | 34224819 |  | 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 $28,026.94 exceeds tolerance of $26,326.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304672340 | 34224820 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304672340 | 34224821 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 05/22/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304672340 | 34224824 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 06/19/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304672340 | 34224825 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 06/19/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304672340 | 34224826 |  | 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 $182.00 exceeds tolerance of $126.00 plus 10% or $138.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/22/2025 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304672340 | 34224827 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | xxxx |  |  |  | xxxx | 07/24/2025 |  |  | 1 A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304777339 | 34340642 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 12/31/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304777339 | 34340643 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 12/31/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304777339 | 34340644 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304777339 | 34340645 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304777339 | 34340646 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304777339 | 34340647 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304777339 | 34340648 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304777339 | 34340649 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | KY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304777339 | 34402836 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304721891 | 34364622 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304721891 | 34364623 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304721891 | 34364794 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 B A C |  | AL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304721891 | 34521343 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304721891 | 34892427 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | AL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304819244 | 34397398 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304819244 | 34397400 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304819244 | 34397401 |  | 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 $308.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/10/2025 |  | 1 A |  | IL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304819244 | 34397403 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304821156 | 34413776 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304821156 | 34413794 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304821156 | 34413795 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304821156 | 34413796 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304821156 | 34413797 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304821156 | 34413798 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304821156 | 34413799 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304821156 | 34413800 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304821156 | 34413801 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304821156 | 34943618 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304768857 | 34429645 |  | 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 Verification Of Employment Fee. Fee Amount of $35.09 exceeds tolerance of $0.00. $35.09 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/06/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304841707 | 34449557 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/01/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755130 | 34449219 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755130 | 34449427 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xx/xx/xxxx disclosed an inaccurate APR of xxxx% compared to the actual APR at consummation of xxxx% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304755130 | 34449428 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304841705 | 34493185 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304841705 | 34493220 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ |  |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304825585 | 34674635 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. A B | Non QM | Non QM | Yes |
| 304833560 | 34526170 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304833560 | 34526176 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304813098 | 34550330 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304813098 | 34550333 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304822787 | 34577024 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304822787 | 34645079 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304822787 | 34645087 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 B A C |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304822787 | 34645088 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304822787 | 34645089 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304817557 | 34589425 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $7,439.27 exceeds tolerance of $7,438.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/29/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304828160 | 34626872 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  |  |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | LA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304828160 | 34626873 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | LA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819662 | 34636374 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304819662 | 34636397 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. |  |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. C B A | Non QM | Non QM | Yes |
| 304819662 | 34636398 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304819662 | 34636404 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304777345 | 34636476 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304827670 | 34640415 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304843852 | 34649977 |  | 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 $275.00 exceeds tolerance of $150.00 plus 10% or $165.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/06/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304843795 | 34659687 |  | 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 $725.00 exceeds tolerance of $625.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/07/2025 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304843795 | 34659694 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score is above 680. | 31.53173% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/22/2025 | 2 C B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304840175 | 34673035 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/17/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304861652 | 34673382 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304861652 | 34673385 |  | 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 $98.50 exceeds tolerance of $98.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/08/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304861652 | 34673398 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 B A C |  | TN | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304861652 | 34706172 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849295 | 34674426 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304849295 | 34675561 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $169.00 plus 10% or $185.90. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/08/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304849295 | 34675562 |  | 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 $105.00 exceeds tolerance of $97.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/08/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304818631 | 34673373 |  | 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 $610.51 exceeds tolerance of $600.00. $10.51 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | MN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304818631 | 34673405 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score is above 680. | 775 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/22/2025 | 2 C B |  | MN | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818631 | 34791947 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $610.51 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/24/2025 |  | 1 A |  | MN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304843281 | 34687571 |  | 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 $341.00 exceeds tolerance of $250.00 plus 10% or $275.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/09/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304849327 | 34696837 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. |  | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | 35.64184% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/22/2025 | 2 C B |  | TN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304849327 | 34697041 |  | 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 $308.00 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/10/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304849327 | 34735690 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304843027 | 34958645 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. A B | Non QM | Non QM | Yes |
| 304848180 | 34697055 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304848180 | 34697056 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304846525 | 34729422 |  | 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 $724.00 exceeds tolerance of $644.00 plus 10% or $708.40. $15.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304846525 | 34729423 |  | 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 Verification Of Employment Fee. Fee Amount of $149.84 exceeds tolerance of $110.00. $39.84 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/20/2025 |  |  | 1 C A |  | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304846525 | 34848806 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $149.84 exceeds tolerance of $110.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/30/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304734750 | 34733757 |  | Credit | Missing Document | General | Missing Document | Missing Document: Balance Sheet not provided |  | xxxx |  |  |  | xxxx | 08/19/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304734750 | 34733758 |  | Credit | Missing Document | General | Missing Document | Missing Document: P&L Statement not provided |  | xxxx |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304734750 | 34733760 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304734750 | 34733762 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 08/05/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304734750 | 34733763 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | IL | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304734750 | 34733764 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. |  | xxxx |  |  |  | xxxx | 08/26/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304734750 | 34733765 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx |  |  | 08/05/2025 | 2 A B |  | IL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304765942 | 34733842 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 08/26/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304765942 | 34733843 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 08/25/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304765942 | 34733844 |  | Credit | Missing Document | General | Missing Document | Missing Document: Paystubs not provided |  | xxxx |  |  |  | xxxx | 08/18/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304765942 | 34733846 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304765942 | 34733847 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304765942 | 34733848 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  | xxxx |  |  |  | xxxx | 09/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304765942 | 34733850 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304765942 | 34733852 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304765942 | 34733853 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. | xxxx |  |  |  | xxxx | 09/16/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304765942 | 34733854 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304765942 | 34733855 |  | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. |  | xxxx |  |  |  | xxxx | 09/12/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304765942 | 34733856 |  | Credit | Missing Document | General | Missing Document | Missing Document: VVOE not provided |  | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304765942 | 34733857 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Income was used to qualify and a VVOE dated within 10 business days prior to the Note date was not provided for xxxx. |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304765942 | 34733859 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx |  |  | 09/17/2025 | 2 A B |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304777632 | 34734051 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx |  |  |  | xxxx |  |  | 08/26/2025 | 2 B |  | RI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304777632 | 34734053 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed. | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | RI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304777632 | 34734054 |  | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed. | xxxx |  |  |  | xxxx | 08/28/2025 |  |  | 1 C A |  | RI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304777632 | 34734055 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Monthly Payment was not provided |  | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | RI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304757896 | 34734147 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304757896 | 34734148 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 09/04/2025 | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304757896 | 34734150 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | xxxx | 09/02/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304757896 | 34734151 |  | 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 $850.00 exceeds tolerance of $675.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 09/22/2025 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304757896 | 34734152 |  | 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 Collateral Desktop Analysis. Fee Amount of $165.00 exceeds tolerance of $150.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 09/26/2025 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304757896 | 34734153 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $228.00 exceeds tolerance of $225.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 09/26/2025 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304757896 | 34734154 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 09/02/2025 |  |  | 1 B A C |  | TX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304757896 | 34734155 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  |  |  |  |  | xxxx | 09/08/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304763359 | 34734353 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304763359 | 34734356 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304763359 | 34734358 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx |  |  | 09/19/2025 | 2 A B |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304818370 | 34734360 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 09/25/2025 |  | 2 C B |  | MA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304818370 | 34734361 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx |  | 09/25/2025 |  | 2 C B |  | MA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304818370 | 34734363 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | xxxx |  |  |  | xxxx | 09/19/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818370 | 34734364 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx |  |  |  | xxxx |  |  | 09/12/2025 | 2 B |  | MA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304818370 | 34734367 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx |  |  |  | xxxx | 09/26/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304826777 | 34742606 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $530.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304826777 | 34742607 |  | 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 Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $180.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304858978 | 34742123 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | DE | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304858978 | 34742145 |  | 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 Property Inspection Fee. Fee Amount of $56.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/16/2025 |  | 1 A |  | DE | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304845420 | 34760595 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304845420 | 34760597 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304845420 | 34760715 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | xxxx |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304845420 | 34760719 |  | 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 $1,250.00 exceeds tolerance of $1,000.00. $250.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304846262 | 34763256 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304846262 | 34763257 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304846262 | 34763258 |  | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304846262 | 34763976 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304855013 | 34776293 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $472.24 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/22/2025 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304855013 | 34776412 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304846263 | 34784742 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | UT | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304846263 | 34784767 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xx/xx/xxxx disclosed an inaccurate APR of xxxx% compared to the actual APR at consummation of xxxx% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304846263 | 34784768 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823330 | 34793238 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. |  |  |  |  | xxxx | 11/19/2025 |  |  | 1 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 | Non QM | Non QM | Yes |
| 304823330 | 34793267 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 12/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304844781 | 34795393 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304844781 | 34795451 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | xxxx |  | 11/19/2025 |  | 2 C B |  | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304844613 | 34795716 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304844613 | 34795721 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee. Fee Amount of $430.00 exceeds tolerance of $15.00. $415.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/17/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304844613 | 34798523 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | xxxx | 11/06/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304842859 | 34803393 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304842859 | 34803446 |  | 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 $710.00 exceeds tolerance of $650.00. $60.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304842859 | 34803447 |  | 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 Verification Of Income Fee. Fee Amount of $35.09 exceeds tolerance of $0.00. $35.09 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | IN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304842859 | 34841519 |  | 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 $710.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/29/2025 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304820220 | 34804448 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,129.00 exceeds tolerance of $6,108.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/27/2025 |  | 1 A |  | TN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304839439 | 34803287 |  | 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 $309.00 exceeds tolerance of $102.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/27/2025 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304860644 | 34810416 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304860644 | 34810517 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Georgia High-Cost Loan (Counseling Requirement) | Georgia High-Cost Loan: No evidence that borrower received counseling on the advisability of the loan transaction. |  |  |  |  | xxxx | 01/07/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | See any available cure under the Georgia High Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 304860644 | 34810518 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Georgia High-Cost Loan (Fair Lending Notice Not on Note and/or Security Instrument) | Georgia High-Cost Loan: Required GFLA Notice is not displayed on all documents that create a debt or pledge property as collateral. |  |  |  |  | xxxx | 01/07/2026 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | See any available cure under the Georgia High Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 304860644 | 34810519 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Georgia High-Cost Loan (Points and Fees) | Georgia Fair Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High-Cost Loans. |  |  |  |  | xxxx |  | 01/07/2026 |  | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | Within 90 days of loan closing and prior to receiving notice from the borrower: (a) offer restitution and make appropriate adjustments; or (b) to correct failure related to financing of insurance, make appropriate restitution by returning premiums paid plus interest charged on the premiums upon receipt of the notice of compliance failure.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 90 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 304860644 | 34810522 |  | 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 $990.00 exceeds tolerance of $0.00. $990.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 12/12/2025 |  | 2 C B |  | GA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304860644 | 34838476 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304860644 | 34838477 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304860644 | 34838478 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304860644 | 34838481 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304860644 | 34838511 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304860644 | 34843329 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304846551 | 34843335 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304846383 | 34810812 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $156.00 exceeds tolerance of $98.00. $58.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304846383 | 34810814 |  | 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 $13,647.01 exceeds tolerance of $13,454.00. $193.01 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/31/2025 |  |  | 1 C A |  | OR | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304846383 | 34843344 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OR | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304846383 | 34860217 |  | 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 $156.00 exceeds tolerance of $98.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/31/2025 |  | 1 A |  | OR | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304869215 | 34851963 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304846349 | 34851798 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304846349 | 34851866 |  | 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). | xxxx |  |  |  | xxxx | 11/02/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304846925 | 34862435 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,555.50 exceeds tolerance of $1,500.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/31/2025 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304866979 | 34862298 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/05/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304866979 | 34887585 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304873994 | 34862568 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304873951 | 34863098 |  | 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 $16,988.24 exceeds tolerance of $12,726.00. $4,262.24 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304843853 | 34872979 |  | 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 $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/03/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304843853 | 34872980 |  | 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 $270.00 exceeds tolerance of $269.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/03/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304843853 | 34872981 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,943.50 exceeds tolerance of $3,850.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/03/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304867910 | 34890424 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CO | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304867910 | 34890479 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $137.50 exceeds tolerance of $136.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/04/2025 |  | 1 A |  | CO | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304840999 | 34911824 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/05/2025 |  | 1 A |  | HI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304840999 | 34915085 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | HI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304868227 | 34930951 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304868227 | 34931048 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $398.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/07/2025 |  | 1 A |  | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304868227 | 34937421 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304868227 | 34937437 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score is above 680.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | Good credit and employment history. Consolidating debts | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/07/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304874789 | 34938180 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304874789 | 34938181 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304874789 | 34938190 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 B A C |  | UT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304874789 | 34938191 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.20826% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304874789 | 34938197 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304860239 | 34942008 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304860239 | 34946637 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304871505 | 34943889 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304871505 | 34943974 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304874784 | 34942206 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $432.30 exceeds tolerance of $426.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/10/2025 |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304874784 | 34942207 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 12/01/2025 |  | 2 C B |  | AL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304871515 | 34945793 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304856884 | 34944149 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304856884 | 34944394 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 12/08/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304856884 | 34947815 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304871991 | 34955591 |  | 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 $86.30 exceeds tolerance of $85.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/11/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304874787 | 34950569 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304874787 | 34958700 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304874787 | 34958701 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304874787 | 34963581 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 B A C |  | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304874787 | 34963583 |  | 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 51.30921% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304874787 | 34963584 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304865143 | 34955247 |  | 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 $35.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 11/11/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304869260 | 34952629 |  | 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 $1,110.00 exceeds tolerance of $515.00 plus 10% or $566.50. $543.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 12/05/2025 |  | 2 C B |  | AZ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304869260 | 34962668 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304867909 | 34957237 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304865119 | 34972017 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 B A C |  | IL | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304865119 | 34972021 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. $165.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 11/24/2025 |  | 2 C B |  | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304865119 | 35065325 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | IL | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304870082 | 34976436 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. |  |  |  |  | xxxx |  | 12/01/2025 |  | 2 C B |  | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304872112 | 34988350 |  | 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 $108.00 exceeds tolerance of $107.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/14/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304873954 | 34986231 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304873954 | 34986267 |  | 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 $-149.04 exceeds tolerance of $-1,388.88. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304893428 | 35013595 |  | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. |  |  |  |  |  | xxxx | 12/25/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304893428 | 35013681 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | xxxx |  |  |  | xxxx |  |  |  | 2 B |  | AZ | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304893428 | 35013682 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 12/02/2025 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304893428 | 35137641 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | AZ | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862193 | 35013851 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | FL | Primary | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304862193 | 35013857 |  | 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 Verification Of Income Fee. Fee Amount of $35.09 exceeds tolerance of $0.00. $35.09 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304878922 | 35014697 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304878922 | 35014779 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $135.45 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/19/2025 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304878922 | 35022051 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304869256 | 35015000 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. | xxxx |  |  |  | xxxx |  | 11/28/2025 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304874782 | 35015975 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/19/2025 |  | 1 A |  | MN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304874782 | 35015976 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 12/09/2025 |  | 2 C B |  | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 304875198 | 35014796 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304875198 | 35014802 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/19/2025 |  | 1 A |  | SC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304875198 | 35021385 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | SC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304875275 | 35017569 |  | 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 $126.00 exceeds tolerance of $42.00 plus 10% or $46.20. $79.80 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/15/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304768637 | 35008637 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $197.50 exceeds tolerance of $168.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/13/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304777296 | 35008650 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 B A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304777296 | 35008651 |  | Credit | Missing Document | General | Missing Document | Missing Document: Purchase Agreement / Sales Contract (Asset) not provided |  | xxxx |  |  |  | xxxx | 09/23/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304777296 | 35008653 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304777296 | 35008654 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304777296 | 35008656 |  | 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 $2,896.97 exceeds tolerance of $1,329.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304777296 | 35008657 |  | 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 $725.00 exceeds tolerance of $700.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304777296 | 35008658 |  | 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 $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/17/2025 |  | 2 C B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304777296 | 35008659 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $437.15 exceeds tolerance of $133.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 10/17/2025 |  | 2 C B |  | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304777296 | 35008660 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 B A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304777296 | 35008661 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 B A C |  | VA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304777296 | 35008664 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: First Time Home Buyer is blank. |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 304823389 | 35008919 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823389 | 35008920 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1084 or income worksheet is missing and was required. |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823389 | 35008923 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823389 | 35008924 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 B A C |  | WI | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304823389 | 35008925 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/03/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304823389 | 35008927 |  | 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 $3,012.00 exceeds tolerance of $910.00 plus 10% or $1,001.00. $2,011.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | WI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304819235 | 35008948 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1084 or income worksheet not provided |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819235 | 35008949 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing balance sheet, compliance related |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819235 | 35008950 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819235 | 35008951 |  | Credit | Guideline | Guideline Issue | Guideline | The number of financed properties exceeds guidelines. |  | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819235 | 35008952 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819235 | 35008953 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819235 | 35008954 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819235 | 35008955 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819235 | 35008956 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/02/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819235 | 35008957 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304819235 | 35008958 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819235 | 35008959 |  | Credit | Missing Document | General | Missing Document | Missing Document: Balance Sheet not provided |  | xxxx |  |  |  | xxxx | 10/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819235 | 35008960 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304819235 | 35008961 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 121.40118% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304892999 | 35025198 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 11/23/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840173 | 35264239 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840173 | 35264241 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840173 | 35264242 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304840173 | 35264243 |  | 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 51.06018% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840173 | 35264244 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840173 | 35264247 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304840173 | 35264248 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 1 A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304844565 | 35264369 |  | Credit | Guideline | Guideline Issue | Guideline | Financed Mortgage Insurance is not permitted per guidelines. |  | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304869494 | 35264531 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 D A |  | IL | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304869494 | 35264534 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | IL | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304869494 | 35264536 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx |  |  |  | xxxx | 11/28/2025 |  |  | 1 C A |  | IL | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874865 | 35264864 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 12/01/2025 |  |  | 1 B A C |  | FL | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 304874865 | 35264867 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  | xxxx |  |  | 12/01/2025 | 2 A B |  | FL | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305031644 | 35812116 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305031644 | 35812187 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,916.00 exceeds tolerance of $3,768.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/13/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305031644 | 35812193 |  | 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 Higher Priced QM (APOR). | xxxx |  |  |  | xxxx | 02/16/2026 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305031644 | 35824363 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 305050095 | 35821662 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $575.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/16/2026 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305050095 | 35821679 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305047490 | 35821881 |  | 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 $-7,151.86 exceeds tolerance of $-10,364.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | KS | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305044962 | 35845505 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305052655 | 35841229 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 B A C |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305052655 | 35841230 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305047488 | 35841254 |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | xxxx |  |  |  |  |  |  |  | 2 B |  | MD | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 305047488 | 35844445 |  | 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 $186.00 exceeds tolerance of $115.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/18/2026 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305047488 | 35844447 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $427.00 exceeds tolerance of $235.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/18/2026 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305049911 | 35848347 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305049911 | 35850992 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $394.50 exceeds tolerance of $327.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/19/2026 |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305049911 | 35852490 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305047487 | 35849585 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $225.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/19/2026 |  | 1 A |  | MS | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305047487 | 35849586 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $130.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/19/2026 |  | 1 A |  | MS | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305047487 | 35849587 |  | 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 $219.25 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/19/2026 |  | 1 A |  | MS | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305047487 | 35849588 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $1,315.00 exceeds tolerance of $1,295.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/19/2026 |  | 1 A |  | MS | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305047487 | 35849589 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $1,122.00 exceeds tolerance of $1,045.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/19/2026 |  | 1 A |  | MS | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305035595 | 35849477 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305035595 | 35849478 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305044964 | 35848701 |  | 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 $129.00 exceeds tolerance of $91.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/19/2026 |  | 1 A |  | TX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 305051408 | 35860110 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305042094 | 35857411 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305042094 | 35857435 |  | 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 $94.75 exceeds tolerance of $70.00 plus 10% or $77.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/20/2026 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305042094 | 35857437 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/20/2026 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305042094 | 35857438 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,773.00 exceeds tolerance of $1,590.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/20/2026 |  | 1 A |  | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305044845 | 35856380 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305044845 | 35856908 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305044845 | 35856909 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305044845 | 35856910 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305044845 | 35856911 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 305044845 | 35856913 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305044845 | 35856922 |  | 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 $442.00 exceeds tolerance of $263.00 plus 10% or $289.30. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/20/2026 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305044845 | 35862438 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 305047545 | 35858844 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $124.75 exceeds tolerance of $105.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/20/2026 |  | 1 A |  | ME | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305042277 | 35856936 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 305042673 | 35865547 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 305042673 | 35865564 |  | 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 Re-Inspection Fee. Fee Amount of $56.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/23/2026 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305042673 | 35865589 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. | 36.34710% DTI | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/03/2026 | 2 C B |  | IN | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 304874110 | 35861289 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 12/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874110 | 35861290 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 12/17/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874110 | 35861292 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 12/17/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874110 | 35861293 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx |  |  |  | xxxx | 01/21/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304874110 | 35861294 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx | 01/21/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304894656 | 35891961 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | xxxx |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 304894656 | 35897459 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OH | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305031588 | 35892554 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,227.32 exceeds tolerance of $1,980.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/24/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305053460 | 35892827 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305053460 | 35892842 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305053460 | 35892843 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305053460 | 35905459 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 305050785 | 35891537 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305050785 | 35891932 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $438.75 exceeds tolerance of $426.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/24/2026 |  | 1 A |  | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305050785 | 35898067 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305050785 | 35900078 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | Good credit and employment history. Consolidating debts | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/24/2026 | 2 B |  | AL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305054341 | 35891618 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Income Fee. Fee Amount of $35.09 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/24/2026 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305054341 | 35905500 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305055004 | 35916410 |  | 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 $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/25/2026 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 305047527 | 35924583 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score is above 680.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Good credit and employment history. 12 months PITIA reserves. Construction loan payoff | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/27/2026 | 2 B |  | KY | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305047527 | 35940649 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | KY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305032543 | 35945002 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | No obvious cure B A | Non QM | Non QM | No |
| 305032543 | 35945003 |  | 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 $132.00 exceeds tolerance of $94.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/02/2026 |  | 1 A |  | OK | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305032543 | 35947875 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | OK | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305056690 | 35966586 |  | 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 $279.25 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/04/2026 |  | 1 A |  | LA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304861645 | 36067384 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304861645 | 36067385 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 B A |  | TN | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304861645 | 36067387 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 02/11/2026 |  |  | 1 C A |  | TN | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.4

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Customer Loan ID** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 304358889 | A | C | A | C | A | A | A | A |  |
| 304358873 | C | C | A | C | A | B | A | B |  |
| 304358781 | C | C | A | C | A | A | A | A |  |
| 304358867 | C | C | A | C | A | A | A | A |  |
| 304358794 | C | C | A | C | A | A | A | A |  |
| 304358811 | C | C | A | C | A | A | A | A |  |
| 304358751 | C | A | A | C | A | A | A | A |  |
| 304358775 | C | C | A | C | A | A | A | A |  |
| 304358780 | A | C | A | C | A | B | A | B |  |
| 304358827 | D | C | A | D | A | A | A | A |  |
| 304358864 | C | C | A | C | A | A | A | A |  |
| 304358761 | A | C | A | C | A | A B | A | A B |  |
| 304358868 | C | A | A | C | A | A | A | A |  |
| 304358771 | C | C | A | C | A | A | A | A |  |
| 304427026 | A | C | A | C | A | A | A | A |  |
| 304427475 | A | A | A | A | A | A B | A | A B |  |
| 304441706 | B | C | A | C | B | B | A | B |  |
| 304443456 | C | C | A | C | B | B | A | B |  |
| 304441980 | B | C | A | C | B | B | A | B |  |
| 304443098 | A | A | A | A | A | A | A | A |  |
| 304471500 | C | B C | A | C | A | A B | A | A B |  |
| 304441699 | A | B C | A | B C | A | A | A | A |  |
| 304485319 | A | C | A | C | A | A | A | A |  |
| 304638960 | A | A | A | A | A | A | A | A |  |
| 304492827 | C | C | A | C | B | B | A | B |  |
| 304459542 | C | B | A | C | B | A | A | B |  |
| 304462347 | C | A | A | C | A | A | A | A |  |
| 304665164 | A | C | A | C | A | A | A | A |  |
| 304677376 | C | C | A | C | B | B | A | B |  |
| 304681410 | A | C | A | C | A | B | A | B |  |
| 304691354 | A | C | A | C | A | B | A | B |  |
| 304692233 | B | C | A | C | B | B | A | B |  |
| 304687415 | C | A | A | C | A | A | A | A |  |
| 304687109 | A | C | A | C | A | B | A | B |  |
| 304701020 | A | A | A | A | A | A | A | A |  |
| 304701052 | A | A | A | A | A | A | A | A |  |
| 304703055 | A | C | A | C | A | B | A | B |  |
| 304698261 | A | B C | A | B C | A | A | A | A |  |
| 304704945 | B | A | A | B | B | A B | A | B |  |
| 304705675 | A | A | A | A | A | A | A | A |  |
| 304698342 | A | C | A | C | A | B | A | B |  |
| 304700968 | A | C | A | C | A | B | A | B |  |
| 304710838 | B | C | A | C | B | A | A | B |  |
| 304691511 | B | B | A | B | B | B | A | B |  |
| 304700970 | B | A | A | B | B | A | A | B |  |
| 304705674 | A | C | A | C | A | B | A | B |  |
| 304693753 | A | C | A | C | A | B | A | B |  |
| 304716890 | A | B | A | B | A | B | A | B |  |
| 304691525 | C | A | A | C | A | A | A | A |  |
| 304678229 | C | A | A | C | A | A | A | A |  |
| 304679521 | C | A | A | C | A | A | A | A |  |
| 304691198 | A | A | A | A | A | A | A | A |  |
| 304700340 | A | A | A | A | A | A | A | A |  |
| 304700261 | A | C | A | C | A | B | A | B |  |
| 304688659 | A | B C | A | B C | A | A B | A | A B |  |
| 304720322 | A | B | A | B | A | B | A | B |  |
| 304724645 | B | B | A | B | B | B | A | B |  |
| 304712988 | A | C | A | C | A | B | A | B |  |
| 304711704 | A | B | A | B | A | B | A | B |  |
| 304727958 | A | B | A | B | A | B | A | B |  |
| 304724014 | A | C | A | C | A | A | A | A |  |
| 304729977 | A | B | A | B | A | B | A | B |  |
| 304724427 | C | C | A | C | A | A | A | A |  |
| 304726461 | C | C | A | C | B | B | A | B |  |
| 304728269 | C | B | A | C | A | B | A | B |  |
| 304727177 | A | B | A | B | A | B | A | B |  |
| 304726380 | B | C | A | C | B | B | A | B |  |
| 304730688 | A | B | A | B | A | B | A | B |  |
| 304717769 | B | B | A | B | B | B | A | B |  |
| 304732183 | A | B | A | B | A | B | A | B |  |
| 304728265 | B | A | A | B | B | A B | A | B |  |
| 304726378 | A | A | A | A | A | A | A | A |  |
| 304702493 | A | C | A | C | A | A B | A | A B |  |
| 304722299 | A | B C | A | B C | A | A B | A | A B |  |
| 304707123 | C | A | A | C | A | A | A | A |  |
| 304726555 | A | B | A | B | A | B | A | B |  |
| 304730236 | A | B | A | B | A | B | A | B |  |
| 304730288 | A | C | A | C | A | B | A | B |  |
| 304728048 | A | A | A | A | A | A B | A | A B |  |
| 304731019 | A | B | A | B | A | B | A | B |  |
| 304748457 | A | C | A | C | A | B | A | B |  |
| 304735861 | A | B | A | B | A | B | A | B |  |
| 304736177 | A | B | A | B | A | B | A | B |  |
| 304752411 | A | C | A | C | A | B | A | B |  |
| 304745140 | A | B | A | B | A | B | A | B |  |
| 304764264 | A | C | A | C | A | A | A | A |  |
| 304756753 | A | C | A | C | A | B | A | B |  |
| 304760520 | A | C | A | C | A | B | A | B |  |
| 304758068 | A | C | A | C | A | A | A | A |  |
| 304767330 | A | A | A | A | A | A | A | A |  |
| 304758933 | A | A | A | A | A | A | A | A |  |
| 304816022 | C | C | A | C | A | B | A | B |  |
| 304672340 | C | C | A | C | A | A | A | A |  |
| 304777339 | A | C | A | C | A | B | A | B |  |
| 304721891 | A | B C | A | B C | A | B | A | B |  |
| 304819244 | A | C | A | C | A | B | A | B |  |
| 304789532 | A | A | A | A | A | A | A | A |  |
| 304821156 | B | C | A | C | B | B | B | B |  |
| 304768857 | A | C | A | C | A | A | A | A |  |
| 304841707 | C | A | A | C | A | A | A | A |  |
| 304823092 | A | A | A | A | A | A | A | A |  |
| 304755130 | B | C | A | C | B | A | A | B |  |
| 304841705 | C | A | A | C | A | A | A | A |  |
| 304825585 | A | A | A | A | A | B | A | B |  |
| 304833560 | B | B | A | B | B | B | A | B |  |
| 304813098 | A | C | A | C | A | B | A | B |  |
| 304822787 | C | C | A | C | A | A | A | A |  |
| 304827052 | A | A | A | A | A | A | A | A |  |
| 304817557 | A | A | A | A | A | A | A | A |  |
| 304828160 | C | A | A | C | A | A | A | A |  |
| 304834696 | A | A | A | A | A | A | A | A |  |
| 304819662 | B | C | A | C | B | A | A | B |  |
| 304777345 | B | A | A | B | B | A | A | B |  |
| 304827670 | B | A | A | B | B | A | A | B |  |
| 304833285 | A | A | A | A | A | A | A | A |  |
| 304843852 | A | A | A | A | A | A | A | A |  |
| 304850698 | A | A | A | A | A | A | A | A |  |
| 304843795 | C | A | A | C | B | A | A | B |  |
| 304840175 | C | A | A | C | A | A | A | A |  |
| 304861652 | C | C | A | C | A | A | A | A |  |
| 304838958 | A | A | A | A | A | A | A | A |  |
| 304845357 | A | A | A | A | A | A | A | A |  |
| 304849295 | A | B | A | B | A | B | A | B |  |
| 304818631 | C | C | A | C | B | A | A | B |  |
| 304843281 | A | A | A | A | A | A | A | A |  |
| 304849327 | C | A | A | C | B | B | A | B |  |
| 304843027 | A | A | A | A | A | B | A | B |  |
| 304848180 | A | C | A | C | A | A | A | A |  |
| 304840915 | A | A | A | A | A | A | A | A |  |
| 304852060 | A | A | A | A | A | A | A | A |  |
| 304846525 | A | C | A | C | A | A | A | A |  |
| 304734750 | C | C | A | C | A | A B | A | A B |  |
| 304765942 | C | C | A | C | A | A B | A | A B |  |
| 304777632 | C | C | A | C | A | B | A | B |  |
| 304757896 | C | C | A | C | A | B | A | B |  |
| 304763359 | C | B C | A | C | A | A B | A | A B |  |
| 304818370 | C | C | A | C | A | B | A | B |  |
| 304849251 | A | A | A | A | A | A | A | A |  |
| 304826777 | A | A | A | A | A | A | A | A |  |
| 304843286 | A | A | A | A | A | A | A | A |  |
| 304842866 | A | A | A | A | A | A | A | A |  |
| 304858978 | B | A | A | B | B | A | A | B |  |
| 304845420 | C | C | A | C | A | A | A | A |  |
| 304828324 | A | A | A | A | A | A | A | A |  |
| 304846262 | A | B | A | B | A | B | A | B |  |
| 304840208 | A | A | A | A | A | A | A | A |  |
| 304855013 | B | A | A | B | B | A | A | B |  |
| 304856529 | A | A | A | A | A | A | A | A |  |
| 304846263 | B | C | A | C | B | A | A | B |  |
| 304844347 | A | A | A | A | A | A | A | A |  |
| 304823330 | A | C | A | C | A | A | A | A |  |
| 304844781 | B | C | A | C | B | B | A | B |  |
| 304844613 | C | C | A | C | A | B | A | B |  |
| 304842859 | B | C | A | C | B | A | A | B |  |
| 304867913 | A | A | A | A | A | A | A | A |  |
| 304820220 | A | A | A | A | A | A | A | A |  |
| 304839439 | A | A | A | A | A | A | A | A |  |
| 304860644 | B | C | A | C | B | B | A | B |  |
| 304846551 | A | B | A | B | A | B | A | B |  |
| 304846383 | A | C | A | C | A | B | A | B |  |
| 304833300 | A | A | A | A | A | A | A | A |  |
| 304876142 | A | A | A | A | A | A | A | A |  |
| 304869215 | B | A | A | B | B | A | A | B |  |
| 304846349 | A | C | A | C | A | A | A | A |  |
| 304846925 | A | A | A | A | A | A | A | A |  |
| 304866805 | A | A | A | A | A | A | A | A |  |
| 304866979 | A | C | A | C | A | B | A | B |  |
| 304873994 | A | C | A | C | A | A | A | A |  |
| 304873951 | A | C | A | C | A | A | A | A |  |
| 304843853 | A | A | A | A | A | A | A | A |  |
| 304867910 | B | A | A | B | B | A | A | B |  |
| 304868229 | A | A | A | A | A | A | A | A |  |
| 304840999 | A | B | A | B | A | B | A | B |  |
| 304868227 | B | B | A | B | B | B | A | B |  |
| 304874789 | C | C | A | C | A | A | A | A |  |
| 304849012 | A | A | A | A | A | A | A | A |  |
| 304860239 | B | B | A | B | B | B | A | B |  |
| 304860696 | A | A | A | A | A | A | A | A |  |
| 304860241 | A | A | A | A | A | A | A | A |  |
| 304871505 | B | B | A | B | B | B | A | B |  |
| 304874784 | A | C | A | C | A | B | A | B |  |
| 304871515 | A | B | A | B | A | B | A | B |  |
| 304856884 | C | B | A | C | B | B | A | B |  |
| 304871991 | A | A | A | A | A | A | A | A |  |
| 304874787 | C | C | A | C | B | A | A | B |  |
| 304865143 | A | A | A | A | A | A | A | A |  |
| 304869260 | A | C | A | C | A | B | A | B |  |
| 304867909 | A | B | A | B | A | B | A | B |  |
| 304872562 | A | A | A | A | A | A | A | A |  |
| 304876550 | A | A | A | A | A | A | A | A |  |
| 304865119 | A | C | A | C | A | B | A | B |  |
| 304870082 | A | C | A | C | A | B | A | B |  |
| 304873079 | A | A | A | A | A | A | A | A |  |
| 304872112 | A | A | A | A | A | A | A | A |  |
| 304873954 | B | C | A | C | B | A | A | B |  |
| 304893428 | C | B C | A | C | A | B | A | B |  |
| 304862193 | A | C | A | C | A | A | A | A |  |
| 304878922 | B | B | A | B | B | B | A | B |  |
| 304869256 | A | C | A | C | A | B | A | B |  |
| 304866797 | A | A | A | A | A | A | A | A |  |
| 304874782 | A | C | A | C | A | B | A | B |  |
| 304875198 | A | B | A | B | A | B | A | B |  |
| 304875275 | A | C | A | C | A | A | A | A |  |
| 304768637 | A | C | A | C | A | A | A | A |  |
| 304777296 | C | C | A | C | A | B | A | B |  |
| 304823389 | C | C | A | C | A | A | A | A |  |
| 304819235 | C | C | A | C | A | A | A | A |  |
| 304841698 | A | A | A | A | A | A | A | A |  |
| 304822776 | A | A | A | A | A | A | A | A |  |
| 304892999 | A | C | A | C | A | A | A | A |  |
| 304840173 | C | C | A | C | A | A | A | A |  |
| 304844565 | C | A | A | C | A | A | A | A |  |
| 304868812 | A | A | A | A | A | A | A | A |  |
| 304869494 | C | C | D | D | A | A | A | A |  |
| 304874865 | A | B C | A | B C | A | A B | A | A B |  |
| 305031644 | B | B C | A | B C | B | A B | A | B |  |
| 305050095 | B | A | A | B | B | A | A | B |  |
| 305047490 | A | C | A | C | A | A | A | A |  |
| 305046127 | A | A | A | A | A | A | A | A |  |
| 305044962 | A | B | A | B | A | B | A | B |  |
| 305052655 | A | C | A | C | A | A | A | A |  |
| 305047488 | A | B | A | B | A | B | A | B |  |
| 305049911 | B | B | A | B | B | B | A | B |  |
| 305047487 | A | A | A | A | A | A | A | A |  |
| 305035595 | A | C | A | C | A | A | A | A |  |
| 305044964 | A | A | A | A | A | A | A | A |  |
| 305051408 | A | B | A | B | A | B | A | B |  |
| 305042094 | B | A | A | B | B | A | A | B |  |
| 305044845 | B | C | A | C | B | B | A | B |  |
| 305047545 | A | A | A | A | A | A | A | A |  |
| 305047489 | A | A | A | A | A | A | A | A |  |
| 305042277 | B | A | A | B | B | A | A | B |  |
| 305042673 | C | A | A | C | B | A | A | B |  |
| 304874110 | C | C | A | C | A | A | A | A |  |
| 304894656 | A | B | A | B | A | B | A | B |  |
| 305031588 | A | A | A | A | A | A | A | A |  |
| 305053460 | C | C | A | C | A | B | A | B |  |
| 305050785 | B | B | A | B | B | B | A | B |  |
| 305052348 | A | A | A | A | A | A | A | A |  |
| 305054341 | A | B | A | B | A | B | A | B |  |
| 305046129 | A | A | A | A | A | A | A | A |  |
| 305055004 | A | A | A | A | A | A | A | A |  |
| 305047527 | B | B | A | B | B | B | A | B |  |
| 305044920 | A | A | A | A | A | A | A | A |  |
| 305032543 | A | B | A | B | A | B | A | B |  |
| 305056690 | A | A | A | A | A | A | A | A |  |
| 304861645 | C | B | A | C | A | A | A | A |  |

---

## Exhibit 99.5

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Customer Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 304358889 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.870% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.870% |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304358873 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.250% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.250% |  |  |  |  |  |  |  |  | No | 3.50 |  |
| 304358781 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304358867 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304358794 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.350% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -8.350% |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304358811 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.110% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.110% |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304358751 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304358775 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.570% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.570% |  |  |  |  |  |  |  |  | No | 4.00 |  |
| 304358780 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| 304358827 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.40 |
| 304358864 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.210% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.210% |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304358761 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304358868 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.110% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.110% |  |  |  |  |  |  |  |  | No | 3.00 |  |
| 304358771 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  |  |
| 304427026 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304427475 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304441706 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.80 |
| 304443456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304441980 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304443098 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304471500 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.40 |
| 304441699 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304485319 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304638960 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 304492827 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304459542 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| 304462347 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 304665164 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.230% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| 304677376 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304681410 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| 304691354 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.940% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.30 |
| 304692233 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304687415 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| 304687109 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 304701020 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304701052 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| 304703055 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304698261 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.490% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304704945 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 304705675 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304698342 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304700968 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304710838 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304691511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304700970 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.410% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -4.410% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304705674 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304693753 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304716890 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 |
| 304691525 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| 304678229 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304679521 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304691198 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.520% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304700340 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304700261 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304688659 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.80 |
| 304720322 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304724645 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304712988 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304711704 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304727958 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.600% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304724014 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304729977 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 304724427 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304726461 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304728269 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
| 304727177 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304726380 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.380% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730688 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304717769 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.100% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304732183 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.40 |
| 304728265 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304726378 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304702493 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.610% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304722299 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304707123 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 304726555 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 110.280% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 110.280% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730236 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.330% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.00 |
| 304730288 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.670% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304728048 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304731019 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304748457 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304735861 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304736177 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 304752411 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| 304745140 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| 304764264 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304756753 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 304760520 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304758068 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304767330 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.20 |
| 304758933 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.00 |
| 304816022 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304672340 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 304777339 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 |
| 304721891 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304819244 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304789532 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304821156 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304768857 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304841707 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 |
| 304823092 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.40 |
| 304755130 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304841705 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304825585 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304833560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304813098 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304822787 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304827052 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 304817557 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304828160 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304834696 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.830% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| 304819662 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304777345 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304827670 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| 304833285 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304843852 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| 304850698 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304843795 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304840175 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304861652 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304838958 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304845357 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304849295 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304818631 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304843281 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304849327 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304843027 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304848180 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 19.640% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840915 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304852060 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304846525 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 304734750 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304765942 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| 304777632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304757896 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 |
| 304763359 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304818370 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304849251 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 |
| 304826777 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304843286 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.90 |
| 304842866 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.980% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.80 |
| 304858978 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304845420 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304828324 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304846262 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304840208 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 304855013 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.50 |
| 304856529 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304846263 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.470% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.50 |
| 304844347 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.50 |
| 304823330 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.110% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.20 |
| 304844781 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304844613 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304842859 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.640% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.20 |
| 304867913 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304820220 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 |
| 304839439 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304860644 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 304846551 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304846383 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.10 |
| 304833300 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 |
| 304876142 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 |
| 304869215 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304846349 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304846925 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.240% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.240% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304866805 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304866979 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304873994 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304873951 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304843853 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.330% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867910 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.530% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868229 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304840999 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.70 |
| 304868227 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 |
| 304874789 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304849012 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| 304860239 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 |
| 304860696 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304860241 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.620% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.620% |  |  |  |  |  |  |  |  | No | 3.00 | 3.90 |
| 304871505 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304874784 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 304871515 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304856884 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304871991 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304874787 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304865143 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.20 |
| 304869260 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304867909 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304872562 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304876550 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.60 |
| 304865119 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.10 |
| 304870082 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304873079 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 |
| 304872112 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.580% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| 304873954 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304893428 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.90 |
| 304862193 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.040% |  |  | AVM |  | 0.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 |
| 304878922 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304869256 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304866797 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304874782 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
| 304875198 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.470% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 304875275 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304768637 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304777296 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 304823389 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| 304819235 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 304841698 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 304822776 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304892999 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304840173 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 304844565 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304868812 |  |  |  |  |  |  | -1.430% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304869494 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 304874865 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305031644 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 305050095 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305047490 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 305046127 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 305044962 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305052655 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 305047488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305049911 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.10 |
| 305047487 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.40 |
| 305035595 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 305044964 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.600% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305051408 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305042094 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305044845 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 |
| 305047545 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 305047489 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 305042277 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305042673 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.240% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304874110 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 304894656 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| 305031588 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305053460 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305050785 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 305052348 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305054341 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305046129 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305055004 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305047527 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.10 |
| 305044920 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.360% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305032543 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305056690 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304861645 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |

---

## Exhibit 99.6

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.6**

![](ex996001.jpg)

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association through a bulk purchase. The review included a total of fifty-eight residential mortgage loans, in connection with the securitization identified as JPMMT 2026-LTV1 (the "Securitization"). The Review was conducted between November 2025 and March 2026 on mortgage loans originated between October 2025 and February 2026.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

○ The monthly DTI or residual income.

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

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (58 loans in total):

Thirteen (13) loans had a Desktop Review, and six (6) loans had an AVM. Consolidated Analytics has independent access to the Desktop Review ordered by the Aggregator.

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

There were zero (0) occurrences of this

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the fifty-eight (58) mortgage loans reviewed, thirty (30) unique mortgage loans (51.72% by loan count) had a total of forty-six (46) tape discrepancies across seventeen (17) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Total Qualified Assets Post-Close | &nbsp;&nbsp;25 | &nbsp;&nbsp;54.35% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;6.52% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.35% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.35% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.35% |
| &nbsp;&nbsp;Borrower 3 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Borrower 3 Marital Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Borrower 3 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Borrower 3 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.17% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**46** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 51 | &nbsp;&nbsp;&nbsp;&nbsp;$47061214.00 | 87.93% |
| Event Grade B | 7 | &nbsp;&nbsp;&nbsp;&nbsp;$5750208.00 | 12.07% |
| Event Grade C | 0 | $0.00 | 0% |

---

---

| | | | |
|:---|:---|:---|:---|
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 58 | $52811422.00 | 100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 55 | 94.83% |  |
| Event Grade B | 3 | 5.17% |  |
| Event Grade C | 0 | 0% |  |
| Event Grade D | 0 | 0% |  |
| **Total Sample** | 58 | 100.00% |  |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 54 | 93.10% |  |
| Event Grade B | 4 | 6.90% |  |
| Event Grade C | 0 | 0% |  |
| Event Grade D | 0 | 0% |  |
| **Total Sample** | 58 | 100.00% |  |
| **Property Results:** | **Property Results:** | **Property Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 58 | 100.00% |  |
| Event Grade B | 0 | 0% |  |
| Event Grade C | 0 | 0% |  |
| Event Grade D | 0 | 0% |  |
| **Total Sample** | 58 | 100.00% |  |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;47 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 W2/1099 Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**57** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage APR Threshold Test | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Escrow Waiver is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;ARM Disclosure Not Provided Within 3 Days of Application Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA Per Diem Interest Amount Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**68** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**58** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.7

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.7**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 304898933 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB |
| 304898933 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | XXX XXX balance XXX Lender shows XXX |
| 304896681 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Asset Verification Notes: XXX XXX(k) Savings Plan: Statement Date: XX/XX/XXXX Account Balance: XXX Eligible Withdrawal (XXX%): XXX × XXX% = XXX IRA (#XXX): Statement Dates: XX/XX/XXXX and XX/XX/XXXX Account Balance (XXX/XXX/XXX): XXX Account Balance (XXX/XXX/XXX): XXX (same balance) Eligible Withdrawal (XXX%): XXX × XXX% = XXX |
| 304732158 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Verified by the bank Statements |
| 304893029 | XXXXX |  | Borrower 1 First Name | XXX | XXX | Verified by the note |
| 304893029 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Verified by the settlement Statement and bank Statements |
| 304894326 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | $XXX Total available assets prior to close / Audit $XXX Total available assets prior to close / Lender/AUS $XXX Total available assets post close / Audit |
| 304889373 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Assets updated. Reduced by cash to close. |
| 304894702 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | AUS required reserves XXX (RETIREMENT ACCT $XXX) |
| 304874825 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Updated Borrower XXX status per PRA card. |
| 304874825 | XXXXX |  | Borrower 2 Citizen | XXX | XXX | Updated Borrower XXX status per PRA card. |
| 304874825 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Assets updated to reflect remaining balance after cash to close. |
| 304891126 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Updated assets per asset Statements |
| 304876035 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per Assets |
| 304897442 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Updated assets |
| 304896235 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per Assets |
| 304905024 | XXXXX |  | Borrower 2 Citizen | XXX | XXX | Per application and perm alien card |
| 304905024 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per Assets |
| 304904410 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Reserves has been factored into the total assets. |
| 304860236 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Available assets include the the proceeds from simultaneous cash out refinance of current and /or prior primary residence. |
| 304867880 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Borrower is not FTHB |
| 304867880 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Updated assets per asset Statements |
| 304876049 | XXXXX |  | Borrower 1 First Name | XXX | XXX | Borr1 first name is XXX as per ID and Final 1003. |
| 304876049 | XXXXX |  | Borrower 1 Marital Status | XXX | XXX | Borr1 marital status of XXX is correct as per Final 1003, and Borr3 is an XXX man. |
| 304876049 | XXXXX |  | Borrower 1 SSN | XXX | XXX | Borr1 SS# is correct as per Final 1003. |
| 304876049 | XXXXX |  | Borrower 2 First Name | XXX | XXX | Borr2 first name of XXX is correct as per ID and Final 1003, and borr1 first name is XXX. |
| 304876049 | XXXXX |  | Borrower 2 SSN | XXX | XXX | Borr2 SS# is correct as per Final 1003. |
| 304876049 | XXXXX |  | Borrower 3 First Name | XXX | XXX | Borr3 first name of XXX is correct as per ID and Final 1003. Borr2 first name is XXX. |
| 304876049 | XXXXX |  | Borrower 3 Marital Status | XXX | XXX | Borr3 marital status of XXX is correct as per Final 1003, and Borr1 is a XXX man. |
| 304876049 | XXXXX |  | Borrower 3 Qualifying Income | XXX | XXX | Borr3 documented and verified income is correct as per income provided and calculated. |
| 304876049 | XXXXX |  | Borrower 3 SSN | XXX | XXX | Borr3 SS# is correct as per Final 1003. |
| 304897087 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | XXX represents assets post close |
| 304891036 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Assets reflected minus cash to close. |
| 304893480 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Per Assets |
| 304897026 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | XXX represents funds after closing |
| 304896739 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Verified by the bank Statements |
| 304902335 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Assets updated per Statements in loan images |
| 304907164 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | dti: Audit does not agree with final income of lender, see worksheet. It appears they used only one worksheet that lumped all of the self employed income together, both 1120s corps, the partnership, the schedule C, and all XXX rental properties. Audit does agree with the XXX (1120s) and XXX XXX (XXX) incomes, but not the Schedule C, XXX (main source of income for file), or rental incomes. File will still qualify. The main income difference is in the XXX XXX w2 income, Lender used w2 income for b2 as XXX vs. the correct XXX w2 income of XXX They used the figure based on the compensation to officers from the tax return which was b1 + b2 for XXX vs. just for b2 which threw off the number considerably. |
| 304893682 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Owns less than XXX% of the company |
| 304893682 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Funds after Cash to Close and Down Payment |
| 304905056 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | Reserves has been factored into the total assets. |
| 304911726 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | DTI is XXX per audit review. Tape date is showing the borrowers housing expense. |
| 304897321 | XXXXX |  | Total Qualified Assets Post-Close | XXX | XXX | XXX represents cash on hand prior to closing. XXX is remaining post close assets. |
| 304909590 | XXXXX |  | Property Type | XXX | XXX | Confirmed the XXX as a PUD as per the appraisal |
| 304873830 | XXXXX |  | Qualifying FICO | XXX | XXX | Review data is correct per credit report. |
| 304873830 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Review DTI is correct per income and credit documents. Review data also agrees with DU and XXX |

---

## Exhibit 99.8

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXXXX | 304898933 | XXXXX | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304898933 | XXXXX | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304898933 | XXXXX | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304896681 | XXXXX | 12/30/2025 | Compliance | Disclosure | ARM Disclosure Not Provided Within XXX Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Documentation required to clear exception. Documentation required to confirm the disclosure was sent within the XXX days of application, per timestamp. The Arm Disclosure Notice provided to the borrower on XX/XX/XXXX and signed XX/XX/XXXX was not timestamped to confirm it was provided within XXX days of application date of XX/XX/XXXX. | charm book and tracking upld; coc details/initial lock upld | ARM Disclosure Provided Within XXX Days of Application Date or Not Applicable.; COC screenprint provided XX/XX/XXXX when loan program was an ARM XX/XX/XXXX and does not meet timing requirements. Please provide verification the ARM disclosure was sent and acknowledged by the borrower within XXX days of the application date XX/XX/XXXX. Exception remains. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - | Resolved | 12/30/2025 | C A |
| XXX | XXXXX | 304896681 | XXXXX | 12/24/2025 | Credit | Missing Doc | AUS Not Provided | Missing AUS XXX reflects manual underwriitng. However, CCM Signature Jumbo AUS Overlays require DU or LP. | aus upld | Documentation is sufficient. AUS provided. Exception resolved.; AUS is not missing | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - | Resolved | 12/24/2025 | D A |
| XXX | XXXXX | 304896681 | XXXXX | 12/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304892928 | XXXXX | 12/31/2025 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. QM SH non-compliant due to no escrows. |  | Invalid finding. Escrow not required to meet requirement. Condition rescinded. |  | Rescinded |  | A |
| XXX | XXXXX | 304892928 | XXXXX | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 87.11% is less than Guideline LTV of 889.99% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304892928 | XXXXX | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 87.11% is less than Guideline LTV of 889.99% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304732158 | XXXXX | 12/31/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The loan failed charges that cannot increase test. TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the addition to the 2nd Appraisal Fee. The addition to the 2nd Appraisal Fee on the CD dated XX/XX/XXXX was not accepted as the file did not contain any COC or explanation for adding the Fee. | XXX XX/XX/XXXX Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, and proof of delivery. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Cured |  | C B |
| XXX | XXXXX | 304732158 | XXXXX | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304732158 | XXXXX | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304893029 | XXXXX | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only |  | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304893029 | XXXXX | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only |  | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304893029 | XXXXX | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only |  | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304893019 | XXXXX | 12/07/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The borrower chose to waive the XXX day waiting period, but there is no evidence a copy of the report was provided to the borrower at closing. Provide evidence when the borrower received the report to confirm timing requirements were met. | XXX XX/XX/XXXX: Please see the attached // | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/07/2025 | B A |
| XXX | XXXXX | 304893019 | XXXXX | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304893019 | XXXXX | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304861601 | XXXXX | 12/18/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Preliminary title reflects coverage of XXX and not current loan amount of XXX |  | Exception is non-material and graded as level 2/B. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 304861601 | XXXXX | 12/16/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Cure required: The points and fees exceed by $XXX. The par rate per lock confirmation sheet is XXX% which is less than the Note rate of XXX. Please provide par rate. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | Seller acknowledged loan is non QM | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | C A |
| XXX | XXXXX | 304861601 | XXXXX | 12/16/2025 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Documentation required: The par rate per lock confirmation sheet is XXX% which is less than the Note rate of XXX. Please provide par rate. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | Seller acknowledged loan is non QM | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | B A |
| XXX | XXXXX | 304861601 | XXXXX | 12/16/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($80,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. Cure required: The APR exceeds by XXX%. The par rate per lock confirmation sheet is XXX% which is less than the Note rate of XXX. Please provide par rate. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | Seller acknowledged loan is non QM | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | C A |
| XXX | XXXXX | 304861601 | XXXXX | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304896754 | XXXXX | 12/18/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($80,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. Loan was presented as QM Safe Harbor. However, QM testing did not pass. The loan's APR of XXX exceeds the APOR threshold of XXX. Client to review. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | Lender allows for non QM ; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/18/2025 | C A |
| XXX | XXXXX | 304896754 | XXXXX | 12/18/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Loan was presented as QM Safe Harbor. However, QM testing did not pass. Total points of fees of XXX exceeds threshold of $XXX. Fees included are Mortgage Broker fee (indirect) XXX Discount Points XXX and Underwriting Fee $XXX. Client to review. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | Lender allows for Non QM product; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/18/2025 | C A |
| XXX | XXXXX | 304896754 | XXXXX | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304896754 | XXXXX | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304894326 | XXXXX | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304894326 | XXXXX | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304894326 | XXXXX | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304889373 | XXXXX | 01/08/2026 | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX Cure required: Cure of XXX required for Finance Charges that were not included in calculations on PCCD. The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX The Lender included additional Title charges on the PCCD including the Remote Notary Signing fee Seller paid by borrower and did not include in calculations. Cure requires a PCCD, LOE, copy of refund check, and proof of mailing | XXX XX/XX/XXXX Disagree - Mobile Notary Fee was not charged to the Borrower, please see attached Final Settlement Statement. | FSS provided showed the borrower did not pay the mobile notary fee; exception resolved; FSS provided showed the borrower did not pay the mobile notary fee; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/08/2026 | C A |
| XXX | XXXXX | 304889373 | XXXXX | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304889373 | XXXXX | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304894702 | XXXXX | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304894702 | XXXXX | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304894702 | XXXXX | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304874825 | XXXXX | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304874825 | XXXXX | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304874825 | XXXXX | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304891126 | XXXXX | 12/09/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Documentation required: Please provide par rate used in testing. According to lock confirmation dated XX/XX/XXXX at XXX, the par rate is XXX%. | XXX XX/XX/XXXX Disagree. This is a Cash out XXX Product and is not subject to QM. | Lender allowed for Non QM | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/09/2025 | C A |
| XXX | XXXXX | 304891126 | XXXXX | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304891126 | XXXXX | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304876035 | XXXXX | 12/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304876035 | XXXXX | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304876035 | XXXXX | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304896236 | XXXXX | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304896236 | XXXXX | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304897442 | XXXXX | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304897442 | XXXXX | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304897442 | XXXXX | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304896235 | XXXXX | 12/09/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($80,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. QM SH per QM status spreadsheet | XXX XX/XX/XXXX This is a Cash out XXX product and is not subject to QM | Lender allowed for Non QM | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | C A |
| XXX | XXXXX | 304896235 | XXXXX | 12/09/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. QM SH per QM status spreadsheet | XXX XX/XX/XXXX This is a Cash out XXX product and is not subject to QM | Lender allowed for Non QM | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | C A |
| XXX | XXXXX | 304896235 | XXXXX | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304896235 | XXXXX | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304905024 | XXXXX | 12/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304905024 | XXXXX | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304905024 | XXXXX | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304904410 | XXXXX | 12/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304904410 | XXXXX | 12/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304904410 | XXXXX | 12/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304860236 | XXXXX | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304860236 | XXXXX | 11/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304860236 | XXXXX | 11/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304889704 | XXXXX | 12/08/2025 | Credit | Missing Doc | Title Document is Partially Present | Title Document is incomplete or only partially present. Title commitment is showing a lower commitment insurance amount if $XXX. Require an endorsement to commitment to show the correct amount of XXX | Title Commitment | Documentation is sufficient. Updated Title Commitment provided. Exception resolved. ; Title Document is fully Present. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | D A |
| XXX | XXXXX | 304889704 | XXXXX | 12/02/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($80,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. Originated as NonQM. Rescinded | XXX XX/XX/XXXX Disagree. This loan is a Cash-out XXX product and is not subject to QM. | Seller, confirmed loan designated as NonQM- exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304889704 | XXXXX | 12/02/2025 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. Duplicate of HPML | XXX XX/XX/XXXX Disagree. This loan is a Cash-out XXX product and is not subject to QM. | Seller, confirmed loan designated as NonQM- exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304889704 | XXXXX | 12/02/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Originated as NonQM. Rescinded | XXX XX/XX/XXXX Disagree. This loan is a Cash-out XXX product and is not subject to QM. | Seller, confirmed loan designated as NonQM- exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304889704 | XXXXX | 12/01/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii). The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | XXX XX/XX/XXXX: Please see the attached // | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | C A |
| XXX | XXXXX | 304889704 | XXXXX | 12/01/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The zero-tolerance violation in the amount of XXX is due to the increase of the loan discount points fee on the final CD dated XX/XX/XXXX without valid COC. Provide initial CD and any missing subsequent CDs for additional testing. Only CD provided is dated XX/XX/XXXX. | XXX XX/XX/XXXX: Please see attached COCs and corresponding disclosures. On XX/XX/XXXX the loan structure and rate changed, affecting the LLPA, negative pricing disclosed on the XX/XX/XXXX CD | Initial CD with COC provided; Exception resolved; Initial CD with COC provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/01/2025 | C A |
| XXX | XXXXX | 304889704 | XXXXX | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304867880 | XXXXX | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304867880 | XXXXX | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304867880 | XXXXX | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304893490 | XXXXX | 12/22/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Loan presented as QM Safe Harbor. Need confirmation if loan is NonQM. If not a NonQM, need undiscounted rate to exclude any portion of the discount points. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. | XXX XXX/22This is a cash out XXX product and is not subject to QM; "XXX XX/XX/XXXX: See attached passing QM test results. The difference between the APR vs APOR is XXX%. The price of the undiscounted rate is XXX there is no charge for undiscounted (also known as PAR) rate. \| XXX - XXX = XXX / XXX = XXX%" | Investor allows for non QM; The par rate is indicated as XXX% but the subject note rate is XX/XX/XXXX therefore discount points cannot be considered bona fide | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | C A |
| XXX | XXXXX | 304893490 | XXXXX | 12/22/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($80,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. Loan presented as QM Safe Harbor. Need confirmation if loan is NonQM. If not a NonQM, need undiscounted rate to exclude any portion of the discount points. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM; "XXX XX/XX/XXXX: See attached passing QM test results. The difference between the APR vs APOR is XXX%. The price of the undiscounted rate is XXX there is no charge for undiscounted (also known as PAR) rate. \| XXX - XXX = XXX / XXX = XXX%" | Investor allows for non QM; APR is XXX as disclosed on the CD, therefore is exceeds the APOR + XXX%. The QM sheet provided indicates the APR is XXX% but that is not what was disclosed or calculated. The note rate was XXX% and doesnt match the information provided in the QM results | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | C A |
| XXX | XXXXX | 304893490 | XXXXX | 12/02/2025 | Credit | Data | No Credit Findings | No credit findings The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304893490 | XXXXX | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304907241 | XXXXX | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304907241 | XXXXX | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304889755 | XXXXX | 12/05/2025 | Credit | Title | Property Title Issue | Property Title Issue Property Detail report pg.XXX shows Grant Deed/transfer date XX/XX/XXXX to XXX. Please provide explanation. | XX/XX/XXXX XXX: Please clarify why a transfer from XXX is an issue, title clearly shows borrower vested | Documentation is sufficient. No Title issue. Exception rescinded.; Property Title Issue Resolved |  | Rescinded |  | A |
| XXX | XXXXX | 304889755 | XXXXX | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304904406 | XXXXX | 12/31/2025 | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Lender did not Included HOI Payment | XX/XX/XXXX XXX: See attached updated AUS; XX/XX/XXXX XXX: See attached corrected AUS findings; XX/XX/XXXX XXX: Please clarify what is causing the discrepancy, we feel the XXX% DTI is accurate and have been unable to determine what CA feels is incorrect. | Documentation is sufficient. Updated DU provided. Exception resolved.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Provided AUS shows XXX per month for Hazard insurance, which is XXX per year. The policy reflects an annual amount of XXX or XXX per month. AUS figures are incorrect. Exception remains.; ; AUS reflects a P & I payment of XXX while the Note States XXX and the amount for Hazard insurance on the AUS is XXX while the policy calculates to XXX per month. Exception remains. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2025 | C A |
| XXX | XXXXX | 304904406 | XXXXX | 12/15/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. Because the loan failed the initial CD delivery date test due to missing Initial closing disclosure, any values that would be under a valid COC, if the disclosure had been provided, will not be considered valid for tolerance purposes. The violation may be cured if missing closing disclosure(s) are provided. Additional testing will be completed once the Initial CD is provided. | XXX XX/XX/XXXX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the XXX business days before the closing date of XX/XX/XXXX. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/15/2025 | C A |
| XXX | XXXXX | 304904406 | XXXXX | 12/15/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. Additional conditions may apply. | XXX XX/XX/XXXX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the XXX business days before the closing date of XX/XX/XXXX. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/15/2025 | C A |
| XXX | XXXXX | 304904406 | XXXXX | 12/15/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | Loan was designated as QM Safe Harbor. This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($80,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | ; ; Loan redesignated by Seller as NonQM. Condition cleared. |  | Rescinded |  | A |
| XXX | XXXXX | 304904406 | XXXXX | 12/15/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | Loan was designated as QM Safe Harbor. This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | ; Loan redesignated by Seller as NonQM. Condition cleared. |  | Rescinded |  | A |
| XXX | XXXXX | 304904406 | XXXXX | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304872541 | XXXXX | 12/10/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Tracking sheet has this as QM SH, but failing points and fees. Need undiscounted rate to exclude any discount points. Fees included Admin XXX commitment XXX discount points XXX and processing XXX | XXX XX/XX/XXXX this loan is a Conventional Cash-Out XXX Year Fixed and non-QM and being sold as XXX Please clear finding or escalate to buyer for clearing. | Client acknowledged loan is Non QM-- exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/10/2025 | C A |
| XXX | XXXXX | 304872541 | XXXXX | 12/10/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($80,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 6.5%. Tracking sheet has this as QM SH, but failing points and fees/APR. Need undiscounted rate to exclude any discount points. Fees included Admin XXX commitment XXX discount points XXX and processing XXX | XXX XX/XX/XXXX this loan is a Conventional Cash-Out XXX Year Fixed and non-QM. Please clear finding. | Client acknowledged loan is Non QM-- exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/10/2025 | C A |
| XXX | XXXXX | 304872541 | XXXXX | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304872541 | XXXXX | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304876087 | XXXXX | 12/22/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($80,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. Loan was presented as QM Safe Harbor. However, QM testing did not pass. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | Investor allows for Non QM | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | C A |
| XXX | XXXXX | 304876087 | XXXXX | 12/16/2025 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304876087 | XXXXX | 12/16/2025 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304873947 | XXXXX | 12/09/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. | XXX XX/XX/XXXX: We have deal with XXX currently to purchase this product without QM testing. | Lender allowed for Non QM; Loan was presented as QM Safe Harbor | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/09/2025 | C A |
| XXX | XXXXX | 304873947 | XXXXX | 12/02/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304873947 | XXXXX | 12/02/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/02/2025 | A |
| XXX | XXXXX | 304893022 | XXXXX | 12/22/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Documentation Required: Please provide the undiscounted rate so that Bona Fide Points and Fees testing can be completed. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM | Investor allows for non QM | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/22/2025 | C A |
| XXX | XXXXX | 304893022 | XXXXX | 12/22/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($80,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. Non-QM loan | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM | Investor allows for non QM | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/22/2025 | C A |
| XXX | XXXXX | 304893022 | XXXXX | 11/26/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Documentation Required- Please provided initial Closing Disclosure and proof of delivery within required XXX days prior to consummation. | XXX XX/XX/XXXX Please see the attached Closing Disclosure and TRID worksheet with proof that the borrower was sent an Initial Closing Disclosure on XX/XX/XXXX and the mailbox rule was applied. This meets the XXX business days before the closing date of XX/XX/XXXX. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | C A |
| XXX | XXXXX | 304893022 | XXXXX | 11/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304893022 | XXXXX | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304876049 | XXXXX | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304876049 | XXXXX | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304897087 | XXXXX | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304897087 | XXXXX | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304897087 | XXXXX | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304893870 | XXXXX | 12/03/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304893870 | XXXXX | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304904589 | XXXXX | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304904589 | XXXXX | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304895000 | XXXXX | 12/10/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304895000 | XXXXX | 12/10/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304895000 | XXXXX | 12/10/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304897414 | XXXXX | 12/18/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Preliminary Title reflects Insured amount of XXX and not current loan amount of XXX |  | Exception is non-material and graded as level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 304897414 | XXXXX | 12/10/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Used undiscounted rate of XXX% per compliance report on page XXX Fees included origination XXX discount points XXX UW XXX (excluded bona fide $XXX) | XXX XX/XX/XXXX this loan is a Conventional Cash-Out XXX Year Fixed and non-QM. Please clear finding. | Client acknowledged loan is Non QM-- exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | C A |
| XXX | XXXXX | 304897414 | XXXXX | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304891036 | XXXXX | 01/24/2026 | Compliance | State Reg | CA Per Diem Interest Amount Test | PCCD indicates disbursement on XX/XX/XXXX, however the documents werent signed until XX/XX/XXXX This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. | XXX XX/XX/XXXX: Please see the attached, disbursed on XX/XX/XXXX. Please advise if anything additional is required to resolve citing. | Final Settlement Statement provided; exception resolved; Final Settlement Statement provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/24/2026 | C A |
| XXX | XXXXX | 304891036 | XXXXX | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304891036 | XXXXX | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304893480 | XXXXX | 12/16/2025 | Compliance | Missing Doc | Escrow Waiver is Missing | Escrow Waiver is Missing Missing Escrow Waiver document. | XXX XX/XX/XXXX Disagree: Please see pg.XXX on the attached Final Closing Disclosure for the escrow waiver per SEL-XX/XX/XXXX The requirement for a separate escrow waiver disclosure has been removed from the Selling Guide because a similar disclosure is now part of the Closing Disclosure. | Escrow Waiver is Present or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | D A |
| XXX | XXXXX | 304893480 | XXXXX | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304893480 | XXXXX | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304897388 | XXXXX | 12/15/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | XXX XX/XX/XXXX The Affiliate Business Disclosure is only required when there are fees charged to the borrower which the broker/lender is affiliated with. There are no charges on this file at have affiliated payees. | Required Affiliated Business Disclosure Documentation Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/15/2025 | B A |
| XXX | XXXXX | 304897388 | XXXXX | 12/15/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Preliminary Title reflects title coverage amount of XXX which is less than the loan amount of XXX |  | Exception is non-material and graded as level 2/B. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 304897388 | XXXXX | 12/15/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. Loan was presented as QM Safe Harbor. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | Loan redesignated by Seller as NonQM. Condition cleared. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/15/2025 | C A |
| XXX | XXXXX | 304897388 | XXXXX | 12/15/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($80,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. Loan was presented as QM Safe Harbor. | XXX XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | Loan redesignated by Seller as NonQM. Condition cleared. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/15/2025 | C A |
| XXX | XXXXX | 304897388 | XXXXX | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304897026 | XXXXX | 12/10/2025 | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Liabilities are slightly higher per the credit report than than Stated on the AUS. Several accounts were paid at closing and are not included in this calculation; but accounts match the 1003. Additional documentation for the liabilities is required. | XX/XX/XXXX - XXX: It appears that the rental income from the borrower's departing primary residence is not being considered. Please see the attached, lease agreement and bank Statement reflecting proof of receipt of the first months rent and security deposit totaling XXX The borrower's total liabilities have been calculated at XXX as opposed to XXX.; XX/XX/XXXX - XXX: Please advise as to which accounts have been identified as having a monthly payment discrepancies. XXXXX has reviewed the borrower's credit report, and there were no discrepancies found. | Documentation is sufficient. Rental agreement provided. Exception resolved.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Using no duplicated accounts the DTI is XXX%. The figures on the XXX of primary housing at XXX + all other payments of $XXX = XXX / XXX income = XXX% DTI. Exception remains. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/10/2025 | C A |
| XXX | XXXXX | 304897026 | XXXXX | 12/07/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | XXX XX/XX/XXXX Please see attached screen shot showing the broker has no affiliates for payees related to this transaction. | Required Affiliated Business Disclosure Documentation Provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/07/2025 | B A |
| XXX | XXXXX | 304897026 | XXXXX | 12/03/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/03/2025 | A |
| XXX | XXXXX | 304896739 | XXXXX | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304896739 | XXXXX | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304896739 | XXXXX | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304902355 | XXXXX | 12/13/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. | XXX XX/XX/XXXX Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the XXX business days before the closing date of XX/XX/XXXX. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/13/2025 | C A |
| XXX | XXXXX | 304902355 | XXXXX | 12/12/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304902355 | XXXXX | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304902335 | XXXXX | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304902335 | XXXXX | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304902335 | XXXXX | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304904405 | XXXXX | 12/16/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien on a manufactured home is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount for a first lien a non-manufactured home is less than XXX but greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus 3.5%; orThe note amount for a second lien is greater than or equal to ($80,XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%. non qm | XXX XX/XX/XXXX: We have deal with XXX currently to purchase this product without QM testing. | Per Client Non QM loans allowed; exception resolved; Loan was desingnated as QM Safe Harbor | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | C A |
| XXX | XXXXX | 304904405 | XXXXX | 12/16/2025 | Compliance | ComplianceEase | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. non qm | XXX XX/XX/XXXX: We have deal with XXX currently to purchase this product without QM testing. | Per Client Non QM loans allowed; exception resolved; Loan was desingnated as QM Safe Harbor | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/16/2025 | C A |
| XXX | XXXXX | 304904405 | XXXXX | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304904405 | XXXXX | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 305012521 | XXXXX | 12/30/2025 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). The document in file indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Since the document doesn't indicate which option the borrower is signing to acknowledge, provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | Document Uploaded. Appraisal delivery ack from closing - If this condition cannot clear, please acknowledge as non-material. | Exception is non-material and graded as level 2/B. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 305012521 | XXXXX | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 305012521 | XXXXX | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304933520 | XXXXX | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304933520 | XXXXX | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304933520 | XXXXX | 12/12/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide missing Affiliated Business Disclosure. |  | Investor acknowledges exception | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXXXX | 304907164 | XXXXX | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledges exception.; Informational Only; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 304907164 | XXXXX | 01/05/2026 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided AUS guidelines fail. LP Caution due to DTI, Delinquencies on Credit, LTV of 90%, SE borrower, Utilization of Credit. | Document Uploaded. LP was provided in error. See attached DU. | AUS is not incomplete; Client provided DU dated XX/XX/XXXX. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/05/2026 | D A |
| XXX | XXXXX | 304907164 | XXXXX | 12/26/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing |  | Investor acknowledges exception. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXXXX | 304893038 | XXXXX | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893038 | XXXXX | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893038 | XXXXX | 12/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304893682 | XXXXX | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304893682 | XXXXX | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304893682 | XXXXX | 11/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 305050575 | XXXXX | 03/23/2026 | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. Missing XXX that lender used to calculate the income or a document showing XXX YTD income | Document Uploaded. | Borrower 1 W2/XXX Provided; XXX provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/23/2026 | D A |
| XXX | XXXXX | 305050575 | XXXXX | 02/13/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. The loan is an HPML and it meets the Escrow and Appraisal Requirements. |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2026 | A |
| XXX | XXXXX | 305050575 | XXXXX | 02/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/13/2026 | A |
| XXX | XXXXX | 304879063 | XXXXX | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304879063 | XXXXX | 12/01/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304879063 | XXXXX | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 305027315 | XXXXX | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305027315 | XXXXX | 12/24/2025 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. HPML Compliant. Exception downgraded. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305027315 | XXXXX | 12/24/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 304905056 | XXXXX | 12/29/2025 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 89.99% exceeds Guideline CLTV of 80% Guidelines permit max LTV/CLTV of 80% for second home purchase. Loan was approved with LTV/CLTV of 89.99%. | Loan shows as a XXX XXX ; please reference our guidelines | Audited CLTV of 89.99% is less than or equal to Guideline CLTV of 89.99%. XXX guidelines provided which permit LTV/CLTV to XXX%. Condition cleared.; Please provide full guidelines for review. Loan was underwritten to XXX, last updated XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/29/2025 | C A |
| XXX | XXXXX | 304905056 | XXXXX | 12/29/2025 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 89.99% exceeds Guideline HCLTV of 80% Guidelines permit max LTV/CLTV/HLTV of 80% for second home purchase. Loan was approved with LTV/CLTV of 89.99%. |  | Audited HLTV of 89.99% is less than or equal to Guideline HCLTV of 89.99%. XXX guidelines provided which permit LTV/CLTV to XXX%. Condition cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/29/2025 | C A |
| XXX | XXXXX | 304905056 | XXXXX | 12/29/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 89.99% exceeds Guideline LTV of 80% Guidelines permit max LTV/CLTV of 80% for second home purchase. Loan was approved with LTV/CLTV of 89.99%. |  | Audited LTV of 89.99% is less than or equal to Guideline LTV of 89.99%. XXX guidelines provided which permit LTV/CLTV to XXX%. Condition cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/29/2025 | C A |
| XXX | XXXXX | 304905056 | XXXXX | 12/12/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304911726 | XXXXX | 12/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A |
| XXX | XXXXX | 304911726 | XXXXX | 12/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A |
| XXX | XXXXX | 304911726 | XXXXX | 12/23/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A |
| XXX | XXXXX | 304897321 | XXXXX | 11/25/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304897321 | XXXXX | 11/25/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304897321 | XXXXX | 11/25/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/25/2025 | A |
| XXX | XXXXX | 304909590 | XXXXX | 01/28/2026 | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. The loan is missing the earliest Homeownership Counseling Disclosure, issued within XXX business days of the Application date of XX/XX/XXXX. The earliest Homeownership Counseling Disclosure in file is dated XX/XX/XXXX. | Document Uploaded. Initial disclosure tracking and HCL acknowledgment uploaded | HCL Acknowledgement provided; condition cleared. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2026 | B A |
| XXX | XXXXX | 304909590 | XXXXX | 01/28/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. The loan file is missing the initial LE dated XX/XX/XXXX, reflected on the XXX report (pg. XXX) that was provided within XXX business days of the application date. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Please see the uploaded LE and disclosure tracking | Received Initial LE - exception resolved; Received Initial LE - exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2026 | C A |
| XXX | XXXXX | 304909590 | XXXXX | 01/28/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. The loan file is missing the initial LE dated XX/XX/XXXX, reflected on the XXX report (pg. XXX) that was provided within XXX business days of the application date. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Document Uploaded. Lock uploaded, please also see uploaded LE and disclosure tracking | Received Initial LE - exception resolved; Received Initial LE - exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2026 | C A |
| XXX | XXXXX | 304909590 | XXXXX | 01/28/2026 | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. According to the XXX report, the initial Loan application date is XX/XX/XXXX (pg. XXX). The earliest LE in file, dated XX/XX/XXXX, exceeds the timing regulation. A cure requires the initial LE dated within XXX business days of XX/XX/XXXX. According to the XXX report (pg. XXX), the initial LE was issued on XX/XX/XXXX, but is missing from the loan file. Once the initial LE is provided, additional testing will be completed. | Document Uploaded. Initial LE and disclosure tracking uploaded | Received Initial LE - exception resolved; Received Initial LE - exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/28/2026 | C A |
| XXX | XXXXX | 304909590 | XXXXX | 01/26/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/26/2026 | A |
| XXX | XXXXX | 304909590 | XXXXX | 01/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/26/2026 | A |
| XXX | XXXXX | 305028463 | XXXXX | 01/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305028463 | XXXXX | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305028463 | XXXXX | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 304873830 | XXXXX | 12/30/2025 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. Loan Data XXX% vs XXX difference of XXX% | Document Uploaded. XXX approved the exception for HPCT. The loan has an APR of XXX%. | XXX approved the exception for HPCT. The loan has an APR of XXX%. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2025 | B A |
| XXX | XXXXX | 304873830 | XXXXX | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304873830 | XXXXX | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/17/2025 | A |

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## Exhibit 99.9

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.9**

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| | | | |
|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304898933 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304896681 | XXXXX D A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304892928 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304732158 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893029 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893019 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304861601 | XXXXX C B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304896754 | XXXXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304894326 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304889373 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304894702 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304874825 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304891126 | XXXXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304876035 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304896236 | XXXXX A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304897442 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304896235 | XXXXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304905024 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304904410 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304860236 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304889704 | XXXXX D A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304867880 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893490 | XXXXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304907241 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) |
| 304889755 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) |
| 304904406 | XXXXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304872541 | XXXXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304876087 | XXXXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304873947 | XXXXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893022 | XXXXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304876049 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) |
| 304897087 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893870 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) |
| 304904589 | XXXXX A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304895000 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304897414 | XXXXX C B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304891036 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893480 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304897388 | XXXXX C B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304897026 | XXXXX C A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304896739 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304902355 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) |
| 304902335 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304904405 | XXXXX C A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305012521 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304933520 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304907164 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893038 | XXXXX A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304893682 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305050575 | XXXXX D A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304879063 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305027315 | XXXXX A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304905056 | XXXXX C A B | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304911726 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304897321 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304909590 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305028463 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304873830 | XXXXX B A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |

---

## Exhibit 99.10

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 304898933 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 304896681 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304892928 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 87.11 | 87.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304732158 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 82.96 | 82.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304893029 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | XXX | XXX | -.0052 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0052 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304893019 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 88.9 | 88.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304861601 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.0 | 89.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 304896754 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304894326 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.51 | 89.51 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304889373 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 304894702 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 | XXX | XXX | .0300 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0300 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304874825 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0849 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 304891126 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304876035 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 88.49 | 88.49 | XXX | XXX | .0327 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0327 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304896236 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304897442 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304896235 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.97 | 89.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304905024 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.96 | 89.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304904410 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 | XXX | XXX | -.0260 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0260 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 304860236 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85.0 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304889704 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 88.7 | 88.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304867880 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304893490 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.6 | 89.6 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 304907241 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 304889755 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304904406 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.0 | 89.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304872541 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 87.69 | 87.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304876087 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304873947 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304893022 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.0 | 89.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304876049 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 82.64 | 82.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 304897087 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.26 | 89.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 304893870 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 83.33 | 83.33 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304904589 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 88.66 | 88.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304895000 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| 304897414 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.98 | 89.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304891036 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 304893480 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 82.64 | 82.64 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| 304897388 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 87.68 | 87.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304897026 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.0 | 89.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304896739 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304902355 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 | XXX | XXX | -.0390 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0390 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304902335 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.0 | 89.0 | XXX | XXX | .1219 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .1219 | 93.0 | 0.07 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 304904405 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 88.54 | 88.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305012521 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304933520 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.95 | 89.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304907164 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304893038 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893682 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305050575 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.0 | 90.0 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 304879063 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.95 | 89.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305027315 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 304905056 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 304911726 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304897321 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 304909590 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.82 | 89.82 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0114 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 305028463 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304873830 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.11

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.11**

Executive Summary

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

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

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from January 2026 to February 2026 and were collateralized by residential real estate (the "Loans"). The Loans were acquired by JPMorgan Chase Bank, National Association (the "Client") from lenders and/or aggregators (the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the Loans was acquired by the Seller from various lenders a lender through a delegated correspondent channel.

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

This report reflects 2 Loans selected by the Client to include in JPMMT 2026-LTV1 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

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

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

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Field Name** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Total Debt to Income Ratio |
| &nbsp;&nbsp;Amortized Original Term | &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;ARM Initial Adjustment Period | &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;ARM Initial Rate Cap | &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;ARM Lookback Period | &nbsp;&nbsp;Loan Term |
| &nbsp;&nbsp;ARM Margin | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;ARM Maximum Interest Rate | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;ARM Minimum Interest Rate | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;ARM Payment Change Frequency | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;ARM Periodic Rate Cap | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Down | &nbsp;&nbsp;Original Principal and Interest |

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-LTV1

pg. 1

---

| | |
|:---|:---|
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Up | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Down | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Up | &nbsp;&nbsp;Representative Credit Score |
| &nbsp;&nbsp;ARM Rate Change Frequency | &nbsp;&nbsp;Residual Income |
| &nbsp;&nbsp;ATR/QM Designation | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Subject Address |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Subject City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Subject State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Subject Zip Code |

---

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

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

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

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

- Lien Position

- Gross Income

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

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

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

Employment and Income:

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

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

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

Inglet Blair, LLC Deal Summary

JPMMT 2026-LTV1

pg. 2

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

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

- Vestee(s)

- Title interest – Fee Simple or Leasehold

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Inglet Blair, LLC Deal Summary

JPMMT 2026-LTV1

pg. 3

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

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

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

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

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

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

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

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

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review the "TRID Review". The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending.

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

- Federal Truth in Lending Act– Regulation Z

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

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

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

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

● Provided within 3 business days of application

○ Federal High-cost (1026.32)

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

● Prepayment Penalty restrictions

○ Higher-priced Mortgage Loans (1026.35)

● APR Threshold with the corresponding appraisal and escrow requirements

○ Right of Rescission (1026.23)

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

● Confirm all requisite consumers received notice and correct form

○ Qualified Mortgage Rule (1026.43(e))

● Perform points and fees test to confirm 3% threshold

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

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

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

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

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

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

● APR/APOR threshold testing

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

○ Subject to any guidance updates from regulators

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

● Contain a valid and approved AUS, as applicable

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

Inglet Blair, LLC Deal Summary

JPMMT 2026-LTV1

pg. 4

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

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

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

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

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

● (v) The consumer 's monthly payment for mortgage-related obligations;

● (vi) The consumer 's current debt obligations, alimony, and child support;

● (vii) The consumer 's monthly debt -to-income ratio or residual income in accordance with paragraph (c)(7) of this section; and

● (viii) The consumer 's credit history.

○ TRID (1026.36, 37)

○ Loan Estimate ("LE")

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

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

● Complete in all material respects

● Contains NMLS ID

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

○ Final Closing Disclosure ("CD")

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

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

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

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

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

● No fee charged for preparation of LE or CD

● Fee descriptions conform with clear and conspicuous standard

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

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

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

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

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

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

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

● Categorization of fees in the appropriate section

● Accuracy of information for fields not expressly stated above

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

○ State High-cost and Predatory lending regulations

Inglet Blair, LLC Deal Summary

JPMMT 2026-LTV1

pg. 5

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

○ RESPA disclosures

● Confirm GFE and HUD-1

● Special Information Booklet

● Notice of Servicing Transfer

● Affiliated Business Arrangement Disclosure

● Homeownership Counseling Disclosures

○ Equal Credit Opportunity Act

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TRID Tested** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |

---

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

There was no other review performed.

Inglet Blair, LLC Deal Summary

JPMMT 2026-LTV1

pg. 6

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Final Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Fixed Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-LTV1

pg. 7

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;PUD (Only for use with Single-Family<br> Detached Homes with PUD riders) | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-LTV1

pg. 8

## Exhibit 99.12

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.12**

---

| | | | |
|:---|:---|:---|:---|
| Seller Loan ID | JPM Loan ID | Data Field | Discrepancy Comments |
| (redacted) | 305042061 | Total Debt to Income Ratio (redacted) | Variance < (redacted) is non-material. |
| (redacted) | 305042610 | Total Debt to Income Ratio (redacted) | Approved DTI (redacted), variance < (redacted) is non-material. |
| (redacted) | 305042610 | Representative Credit Score (redacted) | Review Value is the lowest middle credit score of both borrowers. Tape Value is the average. Per guidelines, Averaged credit scores are not permitted for qualification. |

---

## Exhibit 99.13

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Seller Name | JPM Loan ID | Exception ID | Exception ID Date | Condition Category | Condition Standardized Description | Condition ID | Initial Exception Grade | Final Exception Grade | Status | Condition Custom Description | Cleared Date | Compensating Factors | Lender Response | Comments | Loan Status |
| (redacted) | 305042061 (redacted) | 1161549 | 01/22/2026 | Credit | Asset Documentation is Insufficient | CRED 0083 | 3 | 2 | Acknowledged | Per (redacted) depository accounts must be documented with (redacted) months bank statements, file includes verification of assets reports that do not cover (redacted) months. (redacted) is only documented from (redacted). |  | Low DTI - DTI (redacted), up to (redacted) acceptable.; Verified credit history - FICO (redacted), minimum required (redacted).; |  | 02/17/2026 EV2/B - Finding is downgraded with the attached post-consummation dated verification of assets to complete (redacted) days documentation requirement. Assets documented at closing were sufficient to cover cash to close.<br> 02/11/2026 Attached bank statements, (redacted), cover (redacted) - (redacted) and (redacted)-(redacted), which is < (redacted) days. | Funded C B |
| (redacted) | 305042610 (redacted) | 1165082 | 02/11/2026 | Credit | Missing Copy of Unexpired, Government-issued ID | CRED 0105 | 3 | 1 | Closed | Missing copies of the borrowers unexpired government issued ID's. No ID or completed Patriot Act form in file. | 02/16/2026 |  |  | 02/16/2026 Finding is cleared with the attached copies of the borrowers unexpired government issued IDs. - 02/16/2026 Finding is cleared with the attached copies of the borrowers unexpired government issued IDs. | Funded C A |

---

## Exhibit 99.14

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.14**

---

| | | | | |
|:---|:---|:---|:---|:---|
| JPM Loan ID | Initial Overall Event Level | Final Overall Event Level | Originator QM/ATR Status | TPR QM/ATR Status |
| 305042061 (redacted) | 3 | 2 C A B | 1 | QM (APOR) / Non-HPML (redacted) |
| 305042610 (redacted) | 3 | 1 C A | 1 | QM (APOR) / Non-HPML (redacted) |

---

## Exhibit 99.15

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** |  |  |  |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Second Appraisal Type** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Variance Amount** | **Variance(%)** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| (redacted) | 305042061 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 1 | 1 |
| (redacted) | 305042610 (redacted) | No | No (redacted) | URAR Form 1004 (redacted) |  |  |  |  |  |  |  |  |  | (redacted) | (redacted) | 6.80% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | GL allows up to (redacted) acres |  |  |

---

## Exhibit 99.16

**[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)**

**Exhibit 99.16**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| JPM Loan ID | Loan Status | Final Overall Event Level | Final Credit Event Level | Final Compliance Event Level | Final Property Event Level | Credit Exceptions | Compliance Exceptions | Property Exceptions | Compensating Factors | Immaterial/Waived | Lender Commentary | Cleared Exceptions | Exceptions |
| 305042061 (redacted) | Funded | 2 | 2 | 1 | 1 |  |  |  | Low DTI - DTI (redacted), up to (redacted) acceptable.; Verified credit history - FICO (redacted), minimum required (redacted).; | CRED 0083 Asset Documentation is Insufficient - Per (redacted) depository accounts must be documented with (redacted) months bank statements, file includes verification of assets reports that do not cover (redacted) months. (redacted) is only documented from (redacted). - EV2/B - Finding is downgraded with the attached post-consummation dated verification of assets to complete (redacted) days documentation requirement. Assets documented at closing were sufficient to cover cash to close. |  |  |  |
| 305042610 (redacted) | Funded | 1 | 1 | 1 | 1 |  |  |  |  |  |  | CRED 0105 Missing Copy of Unexpired, Government-issued ID - Missing copies of the borrowers unexpired government issued ID's. No ID or completed Patriot Act form in file. - 02/16/2026 Finding is cleared with the attached copies of the borrowers unexpired government issued IDs.<br>|  |

---

## Exhibit 99.17

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.17**

**EXECUTIVE SUMMARY**

JPMMT 2026-LTV1

**Overview**

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

The Review consisted of 100% of the population of 2 loans with an original loan balance of $2,721,858.00.

**Scope of Review**

**Credit Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9917001.jpg)

![](ex9917001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9917001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9917001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9917001.jpg)

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

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

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

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

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

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

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

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

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

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

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

**Property Review**

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

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

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

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

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

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

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

![](ex9917001.jpg)

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence confirmed to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied the requirements
of Title XI of FIRREA.

![](ex9917001.jpg)

Specifically, MaxDiligence will review the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

![](ex9917001.jpg)

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

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

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

Rescission

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

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

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

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

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

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

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

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

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

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

![](ex9917001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9917001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9917001.jpg)

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

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

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

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

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

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

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

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

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

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

- AD Mortgage Jumbo Blue Underwriting Guidelines

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

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans (by loan count)** |
| &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% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans (by loan count)** |
| &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% |

---

![](ex9917001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans (by loan count)** |
| &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% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans (by loan count)** |
| &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% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Asset 1 Less Than 2 Months Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;Borrower 1 Tax Returns Not Signed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;A | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Insufficient Tolerance Cure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***2*** |

---

![](ex9917001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

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

Of the 2 Loans reviewed, 2 unique Loans (by loan count) had a total of 4 different tape discrepancies across 2 data fields (some Loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

![](ex9917001.jpg)

---

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

---

---

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

---

## Exhibit 99.18

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXXXX | 304846425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 4 | 2025-10-02 11:02 | Credit | Borrower 1 Tax Returns Not Signed | Borrower 1 tax returns not signed. Borrower 1 tax returns not signed <br>|  | N/A 10/03 According to our GL when there are tax transcripts on loan. we can proceed with unsigned tax returns - 10/03/2025<br>| Transcripts/4506 in file. Explanation meet requirements - 10/06/2025<br> N/A XXXXXX According to our GL when there are tax transcripts on loan. we can proceed with unsigned tax returns - 10/03/2025 |  | 2025-10-06 13:28 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304846425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 4 | 2025-10-02 11:35 | Credit | Asset 1 Less Than 2 Months Verified | Asset has less than 2 months verified in file. Missing an additional 1-month bank statement for XXXXXX Acct #XXXXXX<br>|  | According to our GL for assets verification required 1-month bank statement - 10/03/2025<br>| explanation meet requirements - 10/06/2025<br>According to our GL for assets verification required 1-month bank statement - 10/03/2025<br>|  | 2025-10-06 13:30 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304846425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 4 | 2025-10-02 11:44 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-02 11:44 | Cleared | 1 | 1 | 3 | 1 |
| XXXXXX | 304846425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 4 of 4 | 2025-10-02 15:51 | Compliance | Insufficient Tolerance Cure | A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.10) were applied to the total fee variance of ($9.50) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Grma fee was added on the initial CD without a valid changed circumstance. The total variance is $9.50 <br>|  | The GRMA fee is part of the recording fees. It's always reflected separately on the initial CD and on LE, it sums up with all recordings. COC is not required. - 10/03/2025<br>| Received confirmation GRMA fee is included in recording fee. - 10/06/2025<br>Resolved - 10/06/2025<br>The GRMA fee is part of the recording fees. It's always reflected separately on the initial CD and on LE, it sums up with all recordings. COC is not required. - 10/03/2025<br>|  | 2025-10-06 15:11 | Resolved | 3 | 1 | 3 | 1 |
| XXXXXX | 304852069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2025-10-14 14:49 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-10-14 14:49 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304852069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2025-10-14 14:49 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-14 14:49 | Cleared | 1 | 1 | 1 | 1 |
| XXXXXX | 304852069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2025-10-14 16:28 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-14 16:28 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.19

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.19**

Client JPMMT 2026-LTV1 <br> Transaction JPMMT 2026-LTV1 <br> Date 04/01/2026

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| XXXXXX | 304846425 | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXXXX | 304852069 | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |

---

## Exhibit 99.20

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXXX | XXXXXX | 304846425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 89.97 | 89.97 | XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| XXXXXX | XXXXXX | 304852069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 89.99 | 89.99 | XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | 0.0 | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |

---

## Exhibit 99.21

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.21**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXX | XXXXXX | 304846425 | XXXXXX | Qualifying LTV | 89.97 | 90.0 | Verified via source documents |
| XXXXXX | XXXXXX | 304846425 | XXXXXX | Qualifying CLTV | 89.97 | 90.0 | Verified via source documents |
| XXXXXX | XXXXXX | 304852069 | XXXXXX | Qualifying CLTV | 89.99 | 90.0 | Verified via source documents |
| XXXXXX | XXXXXX | 304852069 | XXXXXX | Qualifying LTV | 89.99 | 90.0 | Verified via source documents |

---

## Exhibit 99.22

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.22**

![](ex9922001.jpg)

JPMMT 2026-LTV1<br>JPMorgan<br>

Opus Capital Markets Consultants, LLC

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

**Executive Narrative**

**April 1, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For**

**JPMorgan** 

The report summarizes the results of a due diligence review performed on a pool of one hundred fifteen (115) loans, of which were purchased by JPMorgan Chase Bank, National Association, as successor by merger to J.P. Morgan Mortgage Acquisition Corp. ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains one hundred fifteen (115) credit and compliance loans identified as fifty-seven (57) QM: Safe Harbor APOR (APOR SH) loans, twenty-three (23) QM: Higher Priced APOR (APOR HP) loans, and thirty-five (35) Non-QM: Lender documented all ATR UW factors loans. There are two (2) loans eligible for GSE delivery, each were underwritten to the AUS provided in the loan file and were re-underwritten in accordance with the lender guidelines. The remaining one hundred thirteen (113) loans were re-underwritten in accordance with the lender guidelines described herein.

**Credit Review**

**Credit Qualification**

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

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

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

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

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

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

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

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

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

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

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

**Document Review**

**Document Review**<br>

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

**a) Collateral Docs**

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

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

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

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

**b) Closing Docs**

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

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

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

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

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

**c) Credit Docs**

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

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

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

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

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

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

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

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

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

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

**Regulatory Compliance**

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s),
with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties,
principal and interest calculations, proper completion of the interest rate and payment summary,

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

recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business
days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

2. For loans for which applications were received prior to
July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency
as permitted under the QM final rule, Consultant reviews the loan to

determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but
not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan
to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest
only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment
was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether
the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan
is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable
average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective
March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans
only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review
the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party
documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the
consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory
or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the
subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance
and certain other costs related to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General
Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment
or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and
only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's
conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential

risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning and Certain Compliance Exceptions** 

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

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) was referred to affiliates for provision of third party services)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)**

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as

required by 15 U.S.C. § 1681g) before consummation.

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

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

● Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

● Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq.

● Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

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

● District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

● Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

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

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

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

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

● Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

● Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

● Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

● Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

● New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

● North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

● Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

● Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

● South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

● Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

● Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

● Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

● Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan was reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common expense.

**Misrepresentation and Third-Party Review**

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

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

● Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities

● Property is described as average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments

● Appraiser was appropriately licensed at the time the appraisal was signed

***Valuation Waterfall and Products***

**<u>Agency Eligible Loan Programs</u>**

● PIW

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All PIW loans: AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If AVM <90% of origination value: BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. If BPO <90% of origination value: Stip for Seller to order Field Review/2055 or Appraisal.

● If FHLMC Rep &Warrant Relief NOT Eligible for FNMA CU >2.5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All: Desk Review (w/value conclusion)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If Desk Review < 90% of origination value: Stip for Seller to order a Filed Review/2055 of second appraisal.

**<u>Jumbo Loan Programs</u>**

● If only 1 appraisal and no desk review: Stip for Seller to order a Desk Review (w/value conclusion)

● If guidelines required 2 appraisals, but only 1 appraisal provided; Stip for Seller to order second appraisal

● If desk review indicated a value lower than the appraisal; Stip for Seller to order BPO and value reconciliation.

*Seasoned Loan Updated:*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Updated AVM:** An Automated Valuation Model ("AVM") was ordered on each property. If the resulting value of the AVM
is in aggregate less than 90% of the value reflected on the original appraisal, or if no results are returned, an Appraisal Desk Review
was ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Appraisal Desk Review:** If the resulting value for the PVO is less than 90% of the value reflected on the original appraisal,
or if no results are returned, a Broker Price Opinion (BPO) was ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **BPO:** If the resulting value of the BPO is less than 90%of the value reflected on the original appraisal, an appraisal field
review may be ordered on the property

The criteria set forth in this section titled "Valuation Waterfall and Products": are subject to change by RMC at any time.

Value Review Disclaimer

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal in a property located in an area that is designated as IA (Individual Assistance) or IH (Individual and Household Assistance), Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews, and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15-E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades**

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● Level 2 Credit Grade Definition: Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

● Level 3 Credit Grade Definition: Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

**Opus Property Grades**

● Level 1 Property Grade Definition: Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

● Level 2 Property Grade Definition: Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

**Opus Compliance Grades**<br>

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

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

![](ex9922002.jpg)

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

![](ex9922003.jpg)

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

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

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated April 1, 2026.

![](ex9922004.jpg)

**<u>Loans Reviewed (115)</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;305042059 | &nbsp;&nbsp;305031277 | &nbsp;&nbsp;304909913 | &nbsp;&nbsp;305027045 | &nbsp;&nbsp;305027397 |
| &nbsp;&nbsp;305031587 | &nbsp;&nbsp;305030956 | &nbsp;&nbsp;304904465 | &nbsp;&nbsp;305023985 | &nbsp;&nbsp;305027396 |
| &nbsp;&nbsp;304872107 | &nbsp;&nbsp;305029882 | &nbsp;&nbsp;304897620 | &nbsp;&nbsp;305036579 | &nbsp;&nbsp;305027046 |
| &nbsp;&nbsp;304893014 | &nbsp;&nbsp;305029756 | &nbsp;&nbsp;305032481 | &nbsp;&nbsp;305012705 | &nbsp;&nbsp;305026460 |
| &nbsp;&nbsp;305029255 | &nbsp;&nbsp;305029719 | &nbsp;&nbsp;305028135 | &nbsp;&nbsp;305012684 | &nbsp;&nbsp;305026216 |
| &nbsp;&nbsp;305013423 | &nbsp;&nbsp;305029279 | &nbsp;&nbsp;305046125 | &nbsp;&nbsp;304993692 | &nbsp;&nbsp;305024775 |
| &nbsp;&nbsp;304908661 | &nbsp;&nbsp;305029208 | &nbsp;&nbsp;305036644 | &nbsp;&nbsp;304933511 | &nbsp;&nbsp;305024460 |
| &nbsp;&nbsp;304911021 | &nbsp;&nbsp;305027395 | &nbsp;&nbsp;305036580 | &nbsp;&nbsp;304909874 | &nbsp;&nbsp;305013657 |
| &nbsp;&nbsp;304904404 | &nbsp;&nbsp;305027203 | &nbsp;&nbsp;305035594 | &nbsp;&nbsp;304907169 | &nbsp;&nbsp;305013384 |
| &nbsp;&nbsp;304896729 | &nbsp;&nbsp;305026188 | &nbsp;&nbsp;305034635 | &nbsp;&nbsp;305026217 | &nbsp;&nbsp;305013335 |
| &nbsp;&nbsp;305044923 | &nbsp;&nbsp;305024453 | &nbsp;&nbsp;305033668 | &nbsp;&nbsp;305040631 | &nbsp;&nbsp;305012712 |
| &nbsp;&nbsp;305031643 | &nbsp;&nbsp;305013570 | &nbsp;&nbsp;305033605 | &nbsp;&nbsp;305040523 | &nbsp;&nbsp;305011941 |
| &nbsp;&nbsp;305029754 | &nbsp;&nbsp;305012756 | &nbsp;&nbsp;305031504 | &nbsp;&nbsp;305039614 | &nbsp;&nbsp;304911417 |
| &nbsp;&nbsp;305029209 | &nbsp;&nbsp;304909871 | &nbsp;&nbsp;305029849 | &nbsp;&nbsp;305036903 | &nbsp;&nbsp;304905213 |
| &nbsp;&nbsp;305027204 | &nbsp;&nbsp;304904502 | &nbsp;&nbsp;305029785 | &nbsp;&nbsp;305031680 | &nbsp;&nbsp;304903246 |
| &nbsp;&nbsp;305013281 | &nbsp;&nbsp;304905168 | &nbsp;&nbsp;305029757 | &nbsp;&nbsp;305031278 | &nbsp;&nbsp;305044846 |
| &nbsp;&nbsp;305024007 | &nbsp;&nbsp;304897088 | &nbsp;&nbsp;305028247 | &nbsp;&nbsp;305031043 | &nbsp;&nbsp;305042276 |
| &nbsp;&nbsp;304878921 | &nbsp;&nbsp;305024467 | &nbsp;&nbsp;305026461 | &nbsp;&nbsp;305030974 | &nbsp;&nbsp;305013385 |
| &nbsp;&nbsp;304894335 | &nbsp;&nbsp;305024037 | &nbsp;&nbsp;305026214 | &nbsp;&nbsp;305030732 | &nbsp;&nbsp;305013263 |
| &nbsp;&nbsp;304892995 | &nbsp;&nbsp;304909636 | &nbsp;&nbsp;305026148 | &nbsp;&nbsp;305030731 | &nbsp;&nbsp;304898066 |
| &nbsp;&nbsp;305013269 | &nbsp;&nbsp;305013275 | &nbsp;&nbsp;305025065 | &nbsp;&nbsp;305029576 | &nbsp;&nbsp;304907149 |
| &nbsp;&nbsp;305047535 | &nbsp;&nbsp;305024975 | &nbsp;&nbsp;304909454 | &nbsp;&nbsp;305029281 | &nbsp;&nbsp;305027515 |
| &nbsp;&nbsp;305044848 | &nbsp;&nbsp;305013687 | &nbsp;&nbsp;304904494 | &nbsp;&nbsp;305028396 | &nbsp;&nbsp;305027497 |

---

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

## Exhibit 99.23

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.23**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ALT ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 304898066 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.89 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304898066 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.89 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 304907169 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| 304905168 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304905168 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305030974 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305030974 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 711 | 0 | Audit value based on lender qualifying requirements. |
| 304909454 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 304909454 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value. |
| 305027204 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.89 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305027204 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.89 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305012705 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305012705 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 304897088 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 304897088 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.9 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304897088 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.9 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 304909874 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304909874 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 304904465 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 82.97 | 83 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304904465 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 82.97 | 83 | Audit Value of Subject Lien / Qualifying Value |
| 305029757 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding. |
| 305029757 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding. |
| 305013385 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.89 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 305013385 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.89 | 90 | Audit Value of Subject Lien / Qualifying Value. |
| 305013384 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.89 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305013384 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.89 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 304911021 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.85 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304911021 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.85 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305026214 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305026214 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305027515 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 87.3 | 88 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305027515 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 87.3 | 88 | Audit Value of Subject Lien / Qualifying Value |
| 305027497 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305027497 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305012684 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 305013687 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305013687 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value. |
| 305013657 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305013657 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305029882 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305029882 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305033668 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305033668 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305026461 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305026461 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305026148 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305026148 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305026148 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305027046 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Primary Appraised Property Value | propertyValuationPage | $XXXXXXX | $XXXXXXX | Audit Value pulled from Appraisal |
| 305027046 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.2 | 89.19 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305027046 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.2 | 89.19 | Audit Value of Subject Lien / Qualifying Value |
| 305031504 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.88 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305031504 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.88 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305028247 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 90 | 89.99 | Rounding |
| 305028247 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 90 | 89.99 | Rounding |
| 305028396 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305028396 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 754 | 0 | Audit value based on lender qualifying requirements. |
| 305030956 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXXX | Audit Value Pulled From Note. |
| 305030956 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.97 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305030956 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.97 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305034635 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.57 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305034635 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.57 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305032481 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Borrower 1 Last Name | notePage | XXXXXXX | XXXXXXX | Audit Value Pulled From Note. |
| 305032481 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 87.69 | 88 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305032481 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 87.69 | 88 | Audit Value of Subject Lien / Qualifying Value |
| 305033605 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 87.43 | 88 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305033605 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 87.43 | 88 | Audit Value of Subject Lien / Qualifying Value |
| 305040631 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 88.98 | 89 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305040631 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 88.98 | 89 | Audit Value of Subject Lien / Qualifying Value |
| 305046125 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.9 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305046125 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.9 | 90 | Audit Value of 1st lien / Qualifying Value |
| 305044923 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305044923 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305044848 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.92 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305044848 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.92 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305039614 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.91 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304872107 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.42 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304872107 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.42 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305012712 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.84 | 89.83 | Rounding |
| 305012712 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.84 | 89.83 | Rounding |
| 304909636 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.96 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304909636 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.96 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 304878921 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 88.48 | 89 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304878921 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 88.48 | 89 | Audit Value of Subject Lien / Qualifying Value |
| 304908661 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 89.98 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 304908661 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 89.98 | Audit Value of Subject Lien / Qualifying Value. |
| 305036644 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 806 | 0 | Audit value based on lender qualifying requirements. |
| 305027203 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 88.18 | 89 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305027203 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 88.18 | 89 | Audit Value of Subject Lien / Qualifying Value |
| 304993692 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 87.47 | 88 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304993692 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 87.47 | 88 | Audit Value of 1st / Qualifying Value |
| 304892995 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 84.04 | 85 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 304892995 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 84.04 | 85 | Audit Value of Subject Lien / Qualifying Value |
| 305029279 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305029279 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 304904404 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 305026188 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305026188 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 304905213 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 84.88 | 85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304905213 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 84.88 | 85 | Audit Value of Subject Lien / Qualifying Value |
| 304907149 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.85 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304907149 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.85 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305027397 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 84.99 | 85 | Rounding |
| 305027397 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 84.99 | 85 | Rounding |
| 304909913 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 82.58 | 83 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304909913 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 82.58 | 83 | Audit Value of Subject Lien / Qualifying Value |
| 305028135 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305028135 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 304909871 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304909871 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 304911417 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 88.01 | 89 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304911417 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 88.01 | 89 | Audit Value of Subject Lien / Qualifying Value |
| 305013423 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.9 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305013423 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.9 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305013335 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305030732 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 84.57 | 85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305030732 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 84.57 | 85 | Audit Value of Subject Lien / Qualifying Value |
| 305029754 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.94 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305029754 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.94 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305027395 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.7 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305027395 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.7 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305012756 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 84.98 | 85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305012756 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 84.98 | 85 | Audit Value of Subject Lien / Qualifying Value |
| 305031277 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 86.56 | 87 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 305031277 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 86.56 | 87 | Audit Value of Subject Lien / Qualifying Value. |
| 305036580 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305036580 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 784 | 0 | Audit value based on lender qualifying requirements. |
| 305029576 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.89 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305029576 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.89 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305029719 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 790 | 0 | Audit value based on lender qualifying requirements. |
| 305030731 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 90 | 89.99 | Rounding |
| 305030731 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 90 | 89.99 | Rounding |
| 305031680 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 755 | 0 | Audit value based on lender qualifying requirements. |
| 305029849 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 87.11 | 88 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305029849 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 87.11 | 88 | Audit Value of Subject Lien / Qualifying Value |
| 305029785 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 89.98 | Rounding |
| 305029785 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 89.98 | Rounding |
| 305031587 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 687 | 0 | Audit value based on lender qualifying requirements. |
| 305040523 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305040523 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305031643 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying FICO | creditLiabilitiesPage | 682 | 0 | Audit value based on lender qualifying requirements. |
| 305044846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305044846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305036579 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305036579 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Rounding |
| 305023985 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Audit value pulled from documents located in the loan file. |
| 305024467 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.9 | 90 | <br> Audit Value of 1st + 2nd lien / Qualifying Value |
| 305024467 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.9 | 90 | <br> Audit Value of Subject Lien / Qualifying Value |
| 305024037 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305024037 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305024037 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value |

---

## Exhibit 99.24

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.24**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ALT ID** | **Loan ID** | **Seller** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| 305013275 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-16 14:05 | 2026-02-05 15:20 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | AUS Not Provided | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/05/2026 <br> Resolved-AUS is fully present - Due Diligence Vendor-02/05/2026 <br> Ready for Review-supporting documentation. The LOX is not needed for the income variation. The accurate documentation has been provided along with the income calculation - Due Diligence Vendor-02/04/2026 <br> Counter-Received a DU report that does not include the CB income and is using a lower borrower income than was used to qualify per the rest of the docs in the file. Provide DU that includes both borrower's income as reflected in the file. Due to the income variation, please also include the lender income calculations and an LOX. Additional conditions may apply. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Du - Due Diligence Vendor-01/28/2026 <br> Counter-This XXXX finding never asked for a VOR. The finding comment reads as follows: Missing AUS CCM guidelines require loans to be submitted to DU or LP. AUS feedback certificate missing from loan file. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Please advise how the VOR is missing, the rebuttal shows the borrowers primary was sold, they moved to an apt. XXX provided the lease and proof of payments. The borrower purchased another primary, the subject property, what are you missing to satisfy the condition? You have the lease and proof of payments. The CBR shows the payment history of the property sold - Due Diligence Vendor-01/26/2026 <br> Counter-Received docs to satisfy the missing VOR condition. Please provide DU report. Condition remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-all supporting docs - Due Diligence Vendor-01/21/2026 <br> Open-Missing AUS XXX guidelines require loans to be submitted to DU or LP. AUS feedback certificate missing from loan file. - Due Diligence Vendor-01/16/2026 |  | Acknowledged-Lender provided approved exception to use DU/LP dated post-closing. The exception was received post consummation via email. - Due Diligence Vendor-02/05/2026 <br>Resolved-AUS is fully present - Due Diligence Vendor-02/05/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305013275 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-16 14:09 | 2026-01-22 16:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/22/2026 <br>Ready for Review-supporting docs - Due Diligence Vendor-01/21/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 1008 indicates that a VOR was obtained to document current housing history. VOR missing from loan file. - Due Diligence Vendor-01/16/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-01/22/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 305013275 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-16 14:05 | 2026-01-16 14:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/16/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/16/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 304907169 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-23 09:05 | 2026-01-16 08:54 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/09/2026 <br> Ready for Review-HOI XXXX XXXXXXX XX. - Due Diligence Vendor-01/06/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements REO 3 Insurance document is missing <br> - Due Diligence Vendor-12/23/2025 |  | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/09/2026<br>| XXXXXXX_1.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 304907169 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-23 09:04 | 2026-01-09 08:25 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received HOI doc. Condition cleared. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-HOI XXXX XXXXXXX XX. - Due Diligence Vendor-01/06/2026 <br> Open-REO 3 Insurance document is missing - Due Diligence Vendor-12/23/2025 |  | Resolved-Received HOI doc. Condition cleared. - Due Diligence Vendor-01/09/2026<br>| XXXXXXX_1.pdf |  |  | TX | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 305047535 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-19 10:29 | 2026-03-30 06:10 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/30/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/30/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305030974 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 09:42 | 2026-02-05 09:42 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/05/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/05/2026<br>|  |  |  | AZ | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305013281 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 11:33 | 2026-01-23 12:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/23/2026<br>|  |  |  | CO | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 304909454 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-02 11:25 | 2026-01-14 11:38 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD provided - Due Diligence Vendor-01/14/2026 <br> Resolved- - Due Diligence Vendor-01/14/2026 <br> Ready for Review-XX 1/8 Please see the attached TRID Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the 3 business days before the closing date of XX/XX/XXXX - Due Diligence Vendor-01/08/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Compliance will be re-reviewed upon receipt of the initial LCD. Additional<br> conditions may apply. - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 |  | Resolved-Initial CD provided - Due Diligence Vendor-01/14/2026<br>| XXXXXXX_1.pdf |  |  | CO | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 304909454 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-07 08:54 | 2026-01-07 08:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/07/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/07/2026<br>|  |  |  | CO | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 304897620 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-24 07:53 | 2026-01-09 19:42 | Resolved | 1 - Information | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-Loan program change to ARM 11/4/2025. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-XX 1/6 Please see attached - Due Diligence Vendor-01/06/2026 <br> Open-CHARM Booklet Not Provided Within 3 Days of Application Date - Due Diligence Vendor-12/24/2025 |  | Resolved-Loan program change to ARM XX/XX/XXXX. - Due Diligence Vendor-01/10/2026 | XXXXXXX_1.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 304897620 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-24 07:53 | 2026-01-09 19:42 | Resolved | 1 - Information | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Resolved-Loan program change to ARM 11/4/2025. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-XX 1/6 Please see attached - Due Diligence Vendor-01/06/2026 <br> Open-ARM Disclosure Not Provided Within 3 Days of Application Date RM Disclosure Not Provided Within 3 Days of Application Date - Due Diligence Vendor-12/24/2025 |  | Resolved-Loan program change to ARM XX/XX/XXXX. - Due Diligence Vendor-01/10/2026 | XXXXXXX_1.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 304897620 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-24 08:43 | 2025-12-24 08:43 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is within the Disbursement Date of XX/XX/XXXX. - Due Diligence Vendor-12/24/2025 |  | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is within the Disbursement Date of XX/XX/XXXX. - Due Diligence Vendor-12/24/2025 |  |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305027204 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 08:56 | 2026-02-01 09:00 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/01/2026 |  |  |  |  |  | TX | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 304904494 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-12 13:57 | 2026-01-16 13:58 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Received confirmation of the par rate. Condition cleared. - Due Diligence Vendor-01/16/2026 <br> Resolved- - Due Diligence Vendor-01/16/2026 <br> Open- - Due Diligence Vendor-01/16/2026 <br> Ready for Review-XX 1/15 Disagree. The Buydown percent is 41.91%. Par rate 7.791%-note rate 7.25%=0.541 0.541/discount 1.291%=.41905. XXXs Buydown percentage is 15%. - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XX,XXX.XX). (12 CFR 1026.43(e)(3). A Bona Fide Discount Points Rate Reduction Basis of .54% was used instead of 0.10% which is within industry standard. Therefore, Discount Points cannot be deemed bona fide.<br>- Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 |  | Resolved-Received confirmation of the par rate. Condition cleared. - Due Diligence Vendor-01/16/2026<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304904494 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-10 15:07 | 2026-01-16 13:53 | Resolved | 1 - Information | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Resolved-CHARM Booklet Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-01/16/2026 <br> Open-CHARM Booklet Not Provided Within 3 Days of Application Date - Due Diligence Vendor-01/16/2026 <br> Ready for Review-XX 1/ 5 Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all 6 pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect. - Due Diligence Vendor-01/15/2026 <br> Counter-Application date was XX/XX/XXXX and loan was submitted as an ARM product. The Charm booklet is required to be provided to the borrowers within 3 business days of the application date. The information provided shows the handbook was not provided until XX/XX/XXXX. finding remains. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-XX 1/14 Please see attached Charms Booklet that was sent with the initial disclosures and consented to on XX/XX/XXXX - Due Diligence Vendor-01/14/2026 <br> Open-CHARM Booklet Not Provided Within 3 Days of Application Date - Due Diligence Vendor-01/10/2026 |  | Resolved-CHARM Booklet Provided Within 3 Days of Application Date or Not Applicable (Occupancy is Primary Residence and Note Type is ARM) - Due Diligence Vendor-01/16/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | WA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304893014 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-15 09:27 | 2026-01-09 19:24 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received 11/6/2025 CD. - Due Diligence Vendor-01/10/2026 <br> Resolved- - Due Diligence Vendor-01/10/2026 <br> Ready for Review-XX 1/6 Please see the attached Initial Closing Disclosure. - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/03/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of (XX/XX/XXXX). Borrower acknowledged receipt of initial C.D. on (XX/XX/XXXX) which is less than 3 business days prior to consummation. - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 |  | Resolved-Received XX/XX/XXXX CD. - Due Diligence Vendor-01/10/2026 | XXXXXXX_1.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 304893014 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-03 08:41 | 2026-01-09 18:27 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of 45.79% is less than or equal to AUS DTI of 50% - Due Diligence Vendor-01/10/2026 <br> Ready for Review-01/08/26 - XX: Please see attached. The loan product permits a max DTI of 50%. and the file is eligible. - Due Diligence Vendor-01/08/2026 <br> Open-Audited DTI of 45.79% exceeds AUS DTI of 45% - Due Diligence Vendor-01/03/2026 |  | Resolved-Audited DTI of 45.79% is less than or equal to AUS DTI of 50% - Due Diligence Vendor-01/10/2026<br>| XXXXXXX_1.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 304893014 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-15 09:08 | 2026-01-03 08:42 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is same as the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-12/15/2025 |  | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Hazard Insurance Effective Date of XX/XX/XXXX is same as the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-12/15/2025 |  |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305024775 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-15 09:52 | 2026-01-15 09:55 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-01/15/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. . - Due Diligence Vendor-01/15/2026<br>|  |  |  | NY | Second Home | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 304904502 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-05 14:25 | 2026-01-16 09:09 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/16/2026 <br>Resolved-Annual statement provided; condition resolved. - Due Diligence Vendor-01/14/2026 <br>Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements statement > 120 days - Due Diligence Vendor-01/05/2026 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/16/2026 <br>Resolved-Annual statement provided; condition resolved. - Due Diligence Vendor-01/14/2026<br>|  |  |  | OH | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304904502 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-05 14:18 | 2026-01-14 14:03 | Resolved | 1 - Information | Credit | Assets | Asset 1 Expired | Resolved-Annual statement provided; condition resolved. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-1/8 XX: Please see attached statement showing that this is a XXXX annual statement. There will no statement that will be dated 120 days before closing. - Due Diligence Vendor-01/08/2026 <br> Open-Asset 1 Expired statement > 120 days - Due Diligence Vendor-01/05/2026 |  | Resolved-Annual statement provided; condition resolved. - Due Diligence Vendor-01/14/2026<br>| XXXXXXX_1.pdf |  |  | OH | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304894335 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-17 08:31 | 2025-12-24 09:16 | Resolved | 1 - Information | Credit | Missing Doc | Missing Permanent Resident Alien Card (Borrower 1) | Resolved-Employment authorization received. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-12/22 XX: please see attached - Due Diligence Vendor-12/22/2025 <br> Open-Missing Permanent Resident Alien Card for Borrower 1 - Due Diligence Vendor-12/17/2025 |  | Resolved-Employment authorization received. - Due Diligence Vendor-12/24/2025<br>| XXXXXXX_1.pdf |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304894335 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 13:14 | 2025-12-19 13:15 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/19/2025 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-12/19/2025<br>|  |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 304896729 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-02 03:28 | 2026-01-05 08:09 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-01/02/2026 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-01/02/2026 |  |  |  | FL | Primary Residence | Purchase | NA | XXXXXX | Originator Post-Close | No |
| 304896729 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-02 03:28 | 2026-01-02 03:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/02/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/02/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 304897088 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-02 09:16 | 2026-01-15 12:32 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of 49.64% is less than or equal to AUS DTI of 50% - Due Diligence Vendor-01/15/2026 <br> Ready for Review-01/15/26 - XX: XXX recognizes that the monthly HOA dues for the REO located at XXXX XXXXXXX XXXXX XX XX were understated as well as the monthly property taxes for XXXX XXXXXXX XXXXX XX. However, the loan remains eligible when utilizing net rental income of $XXX.XX for the REO located at XXXX XXXXXXX XXXXX XX, and the borrower's DTI is calculated at 49.63%. Please see the attached AUS findings. - Due Diligence Vendor-01/15/2026 <br> Counter-REO 1: Lease $X,XXX @ 75% = $X,XXX - 1st P&I $XXXX.XX- 2nd P&I $XXXX - Taxes & Insurance $XXX.XX - HOA $XX.XX = -$X,XXX<br> REO 2: Gross Rental $XXXX.XX - 1st P&I $XXXX.XX - 2nd P&I XXXX.XX - Taxes & Insurance $XXX.XX - HOA $X.XX = -$XXX.XX<br> REO 3: Gross Rental $XXXX.XX - 1st P&I $XXX.XX - Taxes & Insurance XXX.XX - HOA $XXX.XX = XXX.XX<br> REO 4: Gorss Rental $XXX.XX - 1st P&I $XXX.XX - Taxes & Insurance $XXX.XX - HOA $XXX.XX = -$XX.XX<br> REO 5: Groos Rental $XXXX.XX - 1st P&I $XXXX.XX - Taxes $XXX.XX - Insurance $XXX.XX = $XXXX.XX<br> REO 6: Gross Rental $XXXX.XX - P&I $XXXX.XX - Taxes & Insurance $XXX.XX = $XXXX.XX<br> REO 7: Gross Rental $XXXX.XX - P&I $XXXX.XX - Taxes & Insurance $XXX.XX = $XXX.XX (used $XXX.XX as the lender calculation is more conservative)<br> REO 8: First P&I $XXXX.XX + Taxs & Insurance $XXX.XX + HOA $XX.XX = $XXXX.XX = -$XXXX.XX<br>Total Negative Rental Income used in Audit Calculation $XXXX.XX - Due Diligence Vendor-01/14/2026 <br> Ready for Review-01/09/2026 - XX: Please provide the net rental income calculations supporting a DTI of 50.67% XXX is not able to confirm a discrepancy between our calculation and XXXX' calculations. XXX has verified total net negative rental income of $XXXX.XX. - Due Diligence Vendor-01/09/2026 <br> Open-Audited DTI of 50.67% exceeds AUS DTI of 50% DTI difference due to net rental income calculations. - Due Diligence Vendor-01/02/2026 |  | Resolved-Audited DTI of 49.64% is less than or equal to AUS DTI of 50% - Due Diligence Vendor-01/15/2026<br>| XXXXXXX_1.pdf |  |  | NC | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 304897088 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-02 09:16 | 2026-01-15 12:32 | Resolved | 1 - Information | Credit | Eligibility | DTI exceeds client overlay guidelines | Resolved-Audited DTI of 49.64% is less than or equal to Guideline DTI of 50% allowed by client overlays. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-01/15/26 - XX: XXX recognizes that the monthly HOA dues for the REO located at XXXX XXXXXXX XXXXX XX were understated as well as the monthly property taxes for XXXX XXXXXXX XXXXX XX. However, the loan remains eligible when utilizing net rental income of $636.71 for the REO located at XXXX XXXXXXX XXXXX XX, and the borrower's DTI is calculated at 49.63%. Please see the attached AUS findings. - Due Diligence Vendor-01/15/2026 <br> Counter-REO 1: Lease $XXXX.XX @ 75% = $XXXX.XX - 1st P&I $XXXX.XX- 2nd P&I $XXXX.XX - Taxes & Insurance $XXX.XX - HOA $XX.XX = -$XXXX.XX<br> REO 2: Gross Rental $XXXX.XX - 1st P&I $XXXX.XX - 2nd P&I XXXX.XX - Taxes & Insurance $XXX.XX - HOA $X.XX = -$XXX.XX<br> REO 3: Gross Rental $XXXX.XX - 1st P&I $XXX.XX - Taxes & Insurance XXX.XX - HOA $XXX.XX =XXX.XX<br> REO 4: Gorss Rental $XXX.XX - 1st P&I $XXX.XX - Taxes & Insurance $XXX.XX - HOA $XXX.XX = -$XX.XX<br> REO 5: Groos Rental $XXXX.XX - 1st P&I $XXXX.XX - Taxes $XXX.XX - Insurance $XXX.XX = $XXXX.XX<br> REO 6: Gross Rental $XXXX.XX - P&I $XXXX.XX - Taxes & Insurance $XXX.XX = $XXXX.XX<br> REO 7: Gross Rental $XXXX.XX - P&I $XXXX.XX - Taxes & Insurance $XXX.XX = $XXX.XX (used $XXX.XX as the lender calculation is more conservative)<br> REO 8: First P&I $XXXX.XX + Taxs & Insurance $XXX.XX + HOA $XX.XX = $XXXX.XX = -$XXXX.XX<br>Total Negative Rental Income used in Audit Calculation$XXXX.XX - Due Diligence Vendor-01/14/2026 <br> Ready for Review-01/09/2026 - XX: Please provide the net rental income calculations supporting a DTI of 50.67% XXX is not able to confirm a discrepancy between our calculation and XXXX' calculations. XXX has verified total net negative rental income of $XXXX.XX. - Due Diligence Vendor-01/09/2026 <br> Open-Audited DTI of 50.67% exceeds Guideline DTI of 50% allowed by client overlays. Client lender overlay guidelines reflect a maximum DTI of 50%. The audited DTI is 50.67%. - Due Diligence Vendor-01/02/2026 |  | Resolved-Audited DTI of 49.64% is less than or equal to Guideline DTI of 50% allowed by client overlays. - Due Diligence Vendor-01/15/2026<br>| XXXXXXX_1.pdf |  |  | NC | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 305029757 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-03-24 16:35 | 2026-03-30 17:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-3/27 XX: Please confirm on what is needed from XXX to get this loan remedied - Due Diligence Vendor-03/27/2026 <br> Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/24/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/30/2026 <br>Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/24/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305029757 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 11:06 | 2026-03-25 10:05 | Resolved | 1 - Information | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/16/2026 <br> Ready for Review-2/13 XX: Please see attached document - Due Diligence Vendor-02/13/2026 <br> Counter-The Prime jumbo overlays and XXX XXX Residential Mortgage Purchase Criteria doc (both assigned to this loan) refer assets to AUS requirements. DU requires statements covering a two-month period. Condition remains. - Due Diligence Vendor-02/08/2026 <br> Ready for Review-2/6 XX: The guidelines don state that 2 months bank statements are required for Jumbo Pink loans. - Due Diligence Vendor-02/06/2026 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing a Verification of deposit or bank statements covering a two-month period for XXXX account with account number ending XXXX. The loan file only contains a bank statement covering a one-month period. - Due Diligence Vendor-01/30/2026 |  | Resolved-Asset Record 1 Meets G/L Requirements - Due Diligence Vendor-02/16/2026<br>| XXXXXXX_1.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 305029757 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 11:06 | 2026-03-25 10:05 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-. - Due Diligence Vendor-02/16/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/16/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements . - Due Diligence Vendor-02/16/2026 <br> Ready for Review-2/13 XX: Please see attached document - Due Diligence Vendor-02/13/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing a Verification of deposit or bank statements covering a two-month period for XXXX account with account number ending XXXX. The loan file only contains a bank statement covering a one-month period. - Due Diligence Vendor-01/30/2026 |  | Resolved-. - Due Diligence Vendor-02/16/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/16/2026<br>| XXXXXXX_1.pdf |  |  | FL | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 305029757 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 12:38 | 2026-01-30 12:38 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026<br>|  |  |  | FL | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305013384 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 10:33 | 2026-02-03 16:46 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This was already updated to NQM. This finding is an informational finding only No further action is required. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-XX 2/2: Please update to reflect as RP - Due Diligence Vendor-02/03/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/01/2026 |  | Acknowledged-This was already updated to NQM. This finding is an informational finding only No further action is required. - Due Diligence Vendor-02/03/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/01/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305013384 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 07:47 | 2026-02-01 10:37 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-XX 1/23 This is a Cash-out 90 product and is not subject to QM - Due Diligence Vendor-01/30/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of 12/17/2025 was 6.270%. The interest rate per the Note is 7.499%. <br> - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/01/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305013384 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-15 14:30 | 2026-01-29 13:37 | Resolved | 1 - Information | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Audited Reserves of 1.37 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) allowed by client overlays. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-1/27 XXX: Please note that 12 months reserves are only required on the loan if the AUS findings are Approve/Ineligible due to "multiple risk factors". Please see that the AUS findings are only ineligible because the LTV cannot exceed 80 percent, meaning that reserves would only be required if AUS called them out. Please see that the same AUS findings confirm that the Reserves Required to be Verified are $0. - Due Diligence Vendor-01/27/2026 <br> Open-Audited Reserves of 1.37 month(s) are less than Guideline Required Reserves of 12 month(s) allowed by client overlays. - Due Diligence Vendor-01/15/2026 |  | Resolved-Audited Reserves of 1.37 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) allowed by client overlays. - Due Diligence Vendor-01/29/2026<br>| XXXXXXX_1.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305024453 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-06 14:04 | 2026-01-06 14:06 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/06/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/06/2026<br>|  |  |  | AZ | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305026214 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-20 05:50 | 2026-02-05 14:57 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/05/2026 <br> Ready for Review-2/4 XX: Updated policy with the $X,XXX is the correct policy which should be used for qualification - Due Diligence Vendor-02/04/2026 <br> Counter-Received the same Dec page already reviewed with different coverage/limits and premium than the doc that was used at closing. The accurate doc, with $XXX,XXX dwelling limit and $XXXX premium, has a policy date of XX/XX/XXXX to XX/XX/XXXX. Disbursement date was XX/XX/XXXX. Provide an updated dec showing an effective date at the time of disbursement. Condition remains. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: See attached insurance policy - Due Diligence Vendor-01/29/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Please note that the file contains a hazard dec page reflecting effective dates of XX/XX/XXXX thru XX/XX/XXXX but the dec page reflects the incorrect premium amount and does not match the amount collected at closing. - Due Diligence Vendor-01/20/2026 |  | Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/05/2026 | XXXXXXX_1.pdf |  |  | CO | Second Home | Purchase | NA | XXXXXX | N/A | N/A |
| 305011941 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 13:56 | 2026-02-06 09:00 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/06/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/06/2026 <br> Ready for Review-XX 2/5: We have deal with XXX currently to purchase this product without QM testing. - Due Diligence Vendor-02/05/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/06/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/06/2026<br>|  |  |  | KY | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305011941 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 08:57 | 2026-02-06 08:57 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/06/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/06/2026<br>|  |  |  | KY | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305013687 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-03-24 16:36 | 2026-03-24 16:36 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/24/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/24/2026<br>|  |  |  | UT | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305029281 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 12:14 | 2026-02-05 13:25 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/05/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/05/2026 <br> Ready for Review-XX 2/4 This is a Cash out 90 product and is not subject to QM - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/03/2026 <br> Open- - Due Diligence Vendor-02/03/2026 <br> Open- - Due Diligence Vendor-02/02/2026 <br> Open- - Due Diligence Vendor-02/02/2026 <br> Open- - Due Diligence Vendor-01/31/2026 <br> Open-The loan's (8.675%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.52%), which is the comparable average prime offer rate of (6.27%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) - Due Diligence Vendor-01/31/2026 <br> Open- - Due Diligence Vendor-01/31/2026 <br> Open- - Due Diligence Vendor-01/31/2026 <br> Open- - Due Diligence Vendor-01/31/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/05/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/05/2026<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305029281 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 13:18 | 2026-02-05 13:18 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/05/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/05/2026<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305029281 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-03 06:38 | 2026-02-03 06:38 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/03/2026 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/03/2026<br>|  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305033668 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 09:37 | 2026-02-23 18:40 | Resolved | 1 - Information | Compliance | Missing Doc | High Cost Home Loan Disclosure (Notice to Buyer) is Missing | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-XX 2/23 Disagree this loan passes without bonafide discount. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $XX,XXX.XX - $0.00 = $XX,XXX.XX / $XXX,XXX.XX = 4.979% - Due Diligence Vendor-02/23/2026 <br> Counter-Lender provided rate sheet to show 8.474 with the rate lock, which shows 8.474, however High cost still applied, need more proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-XX 2/16 Please see the attached screenshot of enteral system lock screen which shows the PAR rate is 8.474% - Due Diligence Vendor-02/16/2026 <br> Counter-Opus requested additional information to determine if the discount points are bona fide. The file contains an inaccurate QM test doc with a different par rate than the XX/XX/XXXX rate lock. Neither par rate results in bona fide discount points. Provide rate sheet, Undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/08/2026 <br> Ready for Review-XX 2/6 Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. - Due Diligence Vendor-02/06/2026 <br> Open-High Cost Home Loan Disclosure (Notice to Buyer) is Missing - Due Diligence Vendor-02/05/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/24/2026<br>| XXXXXXX__1.pdf<br> XXXXXXX__1.pdf |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305033668 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 17:40 | 2026-02-23 18:34 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-XX 2/23 Disagree this is a Cash out 90 and is non-QM. It passes HOEPA without bonafide discount. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br>$XX,XXX.XX - $0.00 = $XX,XXX.XX / $XXX,XXX.XX = 4.979% - Due Diligence Vendor-02/23/2026 <br> Counter- - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Lender provided rate sheet to show 8.474 with the rate lock, which shows 8.474, however High cost still applied, need more proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-XX 2/16 Please see the attached screenshot of enteral system lock screen which shows the PAR rate is 8.474% - Due Diligence Vendor-02/16/2026 <br> Counter-Opus requested additional information to determine if the discount points are bona fide. The file contains an inaccurate QM test doc with a different par rate than the XX/XX/XXXX rate lock. Neither par rate results in bona fide discount points. Provide rate sheet, Undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/08/2026 <br> Open- - Due Diligence Vendor-02/08/2026 <br> Ready for Review-XX 2/6 Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/24/2026<br>| XXXXXXX__1.pdf<br> XXXXXXX__1.pdf |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305033668 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 17:40 | 2026-02-23 18:33 | Resolved | 1 - Information | Compliance | Mavent | HighCost: Fees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/24/2026 <br> Counter-Opus requested additional information to determine if the discount points are bona fide. The file contains an inaccurate QM test doc with a different par rate than the XX/XX/XXXX rate lock. Neither par rate results in bona fide discount points. Provide rate sheet, Undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/08/2026 <br> Resolved- - Due Diligence Vendor-02/08/2026 <br> Ready for Review-XX 2/6 Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. The Undiscounted Interest Rate Price is $0. - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (IN_Investor) High Cost fee limit, which is ($XX,XXX.XX), the difference is ($X.XX). Provide rate sheet, Undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/24/2026<br>| XXXXXXX_1.pdf |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305033668 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-23 18:30 | 2026-02-23 18:30 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/24/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/24/2026<br>|  |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305025065 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-21 14:08 | 2026-01-21 14:09 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-01/21/2026 <br>Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/21/2026 |  |  |  |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | Originator Post-Close | N/A |
| 305026148 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-04 16:08 | 2026-02-04 16:16 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/04/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/04/2026<br>|  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305027046 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-19 10:10 | 2026-02-22 16:32 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-XX 2/20 This is a Cash-out 90 Product and is not Subject to QM - Due Diligence Vendor-02/20/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/19/2026 |  | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/22/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/19/2026<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305027046 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-28 07:09 | 2026-02-19 10:15 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-XX 2/18 This is a cash out 90 product and is not subject to QM. Please relock as Non-QM - Due Diligence Vendor-02/18/2026 <br> Counter-Please confirm if this loan should have been submitted as non-QM instead of QM. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 1/29 Disagree - Buydown % is 31.627 - Due Diligence Vendor-01/29/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). A Bona Fide Discount Points Rate Reduction Basis of -0.35% was used instead of at least 0.10% which is within industry standard. Therefore, Discount Points cannot be deemed bona fide. The Par rate used to determine the rate reduction basis was 8.147% which was located on the lock confirmation in file. If the Par rate used to determine the Bona Fide points is incorrect, provide documentation as to the actual Par rate used. <br> - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/19/2026<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305027046 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-18 13:25 | 2026-02-19 10:14 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-XX 2/18 This is a cash out 90 product and is not subject to QM. Please relock as Non-QM - Due Diligence Vendor-02/18/2026 <br> Counter-Please confirm if this loan should have been submitted as non-QM instead of QM - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 1/29 Disagree - Buydown % is 31.627 - Due Diligence Vendor-01/29/2026 <br> Open-The loan's (8.707%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.47%), which is the comparable average prime offer rate of (6.22%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) It appears a Bona Fide Discount Points Rate Reduction Basis of -0.35% was used instead of 0.10% which is industry standard. Per the XXXX, the creditor must establish that its interest rate reduction is consistent with established industry practices by showing that its calculation complies with requirements prescribed in XXXXXX XXX or XXXXXXX XXX guidelines for interest rate reductions from bona fide discount points. Therefore, Discount Points cannot be deemed bona fide. - Due Diligence Vendor-01/18/2026 <br> Open- - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/18/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/19/2026<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305028247 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-17 16:21 | 2026-01-30 16:38 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-01/27/2026 <br> Ready for Review-XX 1/27 This is a Cash out 90 product and is not subject to QM - Due Diligence Vendor-01/27/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt.<br> - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/17/2026 <br> Open- - Due Diligence Vendor-01/17/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-01/27/2026<br>|  |  |  | MN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305028247 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-17 16:21 | 2026-01-27 13:34 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-01/27/2026 <br> Ready for Review-XX 1/27 This is a Cash out 90 product and is not subject to QM - Due Diligence Vendor-01/27/2026 <br> Open-The loan's (8.736%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.47%), which is the comparable average prime offer rate of (6.22%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Provide rate sheet, Undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-01/17/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/17/2026 <br> Open- - Due Diligence Vendor-01/17/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-01/27/2026<br>|  |  |  | MN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305028247 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 13:32 | 2026-01-27 13:32 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/27/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/27/2026<br>|  |  |  | MN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305028247 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-17 15:38 | 2026-01-26 14:41 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agnecies. - Due Diligence Vendor-01/17/2026 |  | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agnecies. - Due Diligence Vendor-01/17/2026<br>|  |  |  | MN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305028396 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-17 19:32 | 2026-02-19 12:33 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-XX 2/18: please advise what further is needed from us to clear this finding - Due Diligence Vendor-02/18/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/18/2026 |  | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/19/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/18/2026<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305028396 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-07 14:37 | 2026-02-17 19:45 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-XX 2/17: Please lock as RP // failing HPML and QM, cash out 90 - Due Diligence Vendor-02/18/2026 <br> Open-The loan's (8.79%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.42%), which is the comparable average prime offer rate of (6.17%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of XX/XX/XXXX was 6.17%. The interest rate per the Note is 8.25%. - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/15/2026 <br> Open- - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-02/07/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/18/2026<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305028396 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-07 14:37 | 2026-02-17 19:44 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-XX 2/17: We have deal with XXX currently to purchase this product without QM testing. - Due Diligence Vendor-02/18/2026 <br> Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of XX/XX/XXXX 6.17%. The interest rate per the Note is 8.25%. - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/15/2026 <br> Open- - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-02/07/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/18/2026<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305030956 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-01 10:15 | 2026-02-04 08:26 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/04/2026 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/04/2026<br>|  |  |  | CT | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305029255 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 14:36 | 2026-02-13 08:04 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-XX 2/12: Please advise what further is needed from us to clear this finding - Due Diligence Vendor-02/13/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/11/2026 |  | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/13/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/11/2026<br>|  |  |  | UT | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305029255 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-07 03:04 | 2026-02-11 14:38 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-XX 2/11 This is a cash out 90 product and is not subject to QM. - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open-The loan's (8.666%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.52%), which is the comparable average prime offer rate of (6.27%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) y - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-02/07/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026<br>|  |  |  | UT | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305029255 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-07 03:04 | 2026-02-11 14:37 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-XX 2/11 This is a cash out 90 product and is not subject to QM. - Due Diligence Vendor-02/11/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/07/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026<br>|  |  |  | UT | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305029255 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 15:16 | 2026-02-10 15:16 | Acknowledged | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (non-material jurisdictions) | Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) H-8 vs H-9 used for same lender refinance. B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-02/10/2026 |  | Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) H-8 vs H-9 used for same lender refinance. B exception grade for circuits in which there is no ruling. - Due Diligence Vendor-02/10/2026 |  |  |  | UT | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305029756 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 13:52 | 2026-02-20 14:10 | Resolved | 1 - Information | Credit | Eligibility | LTV exceeds client overlay guidelines | Resolved-Verified with guideline matrix, Conventional Cash-Out 90 30 Year Fixed - Due Diligence Vendor-02/20/2026 <br> Ready for Review-2/17 XX: Please note that the product on this file is a Conventional Cash-Out 90 30 Year Fixed that is approved with XXX's agreed upon matrix. <br> - Due Diligence Vendor-02/17/2026 <br> Open-Audited LTV of 90% exceeds guideline LTV of 89.99% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 89.99%. However, the current LTV of the subject is 89.999%. - Due Diligence Vendor-02/10/2026 |  | Resolved-Verified with guideline matrix, Conventional Cash-Out 90 30 Year Fixed - Due Diligence Vendor-02/20/2026<br>|  |  |  | OR | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305029756 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 14:54 | 2026-02-12 14:58 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 2/12 This is a cash out 90 product and is not subject to QM - Due Diligence Vendor-02/12/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/11/2026 |  | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/12/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/11/2026<br>|  |  |  | OR | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305029756 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 14:05 | 2026-02-11 16:03 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-XX 2/11 This is a cash out 90 product and is not subject to QM. - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open-The loan's (8.558%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.52%), which is the comparable average prime offer rate of (6.27%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.X). The system used an interest rate of (8.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) . - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026<br>|  |  |  | OR | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305034635 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 14:57 | 2026-02-11 14:28 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The loan was changed to NQM XX/XX/XXXX. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-XX 2/11 This is a Cash out 90 product and is not subject to QM - Due Diligence Vendor-02/11/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026 |  | Acknowledged-The loan was changed to NQM XX/XX/XXXX. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/11/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026 |  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305034635 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 13:48 | 2026-02-10 14:58 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-02/10/2026 <br> Ready for Review-XX 2/9 Disagree - This is a cash out 90 product and is not subject to QM. - Due Diligence Vendor-02/09/2026 <br> Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XX,XXX.XX and <$XXX,XXX.XX) fee limit, which is ($X,XXX.XX), the difference is ($XXX.XX). (12 CFR 1026.43(e)(3)). Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of XX/XX/XXXX was 6.19%. The interest rate per the Note is 6.999% - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-02/10/2026<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305032481 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 14:24 | 2026-03-05 10:14 | Resolved | 1 - Information | Compliance | Mavent | License: Loan Originator | Resolved-Renewal approved prior to funding. Condition cleared. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-XX 3/2: Please see the attached, LO was licensed at the time of application and renewal requested prior to the consummation date - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open-The loan originator is not authorized to do business in XX as of XX/XX/XXXX. Updated as per note and verified - XX/XX/XXXX to XX/XX/XXX not authorized and active XX/XX/XXXX onward. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Renewal approved prior to funding. Condition cleared. - Due Diligence Vendor-03/05/2026<br>| XXXXXXX_1.pdf |  |  | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | N/A | N/A |
| 305033605 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 10:32 | 2026-03-25 12:22 | Resolved | 1 - Information | Credit | Missing Doc | HO6 Insurance Policy is Missing | Resolved-Master Insurance Policy provided, Finding resolved - Due Diligence Vendor-02/17/2026 <br> Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-02/17/2026 <br> Ready for Review-2/16 XX: Please see attached copy of the all-in master insurance policy. A HO-6 policy is not required since the master insurance policy covers the whole condo - Due Diligence Vendor-02/16/2026 <br> Open-Missing HO-6 Insurance Policy - Due Diligence Vendor-02/05/2026 |  | Resolved-Master Insurance Policy provided, Finding resolved - Due Diligence Vendor-02/17/2026 <br>Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf |  |  | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXX | N/A | N/A |
| 305033605 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 10:33 | 2026-02-17 11:29 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-master Insurance policy provided, Finding resolved - Due Diligence Vendor-02/17/2026 <br>Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-02/17/2026 <br>Ready for Review-2/16 MM: Please see attached copy of the all-in master insurance policy. A HO-6 policy is not required since the master insurance policy covers the whole condo - Due Diligence Vendor-02/16/2026 <br>Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements . - Due Diligence Vendor-02/10/2026 <br>Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing HO-6 Insurance Policy - Due Diligence Vendor-02/05/2026 |  | Resolved-master Insurance policy provided, Finding resolved - Due Diligence Vendor-02/17/2026 <br>Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf |  |  | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXX | N/A | N/A |
| 305033605 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 14:32 | 2026-02-11 14:30 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The loan was changed to NQM XX/XX/XXX. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-XX 2/11 This is a Cash out 90 product and is not subject to QM - Due Diligence Vendor-02/11/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026 |  | Acknowledged-The loan was changed to NQM XX/XX/XXXX. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/11/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026 |  |  |  | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXX | Investor Post-Close | No |
| 305033605 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 12:04 | 2026-02-10 14:37 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-XX 2/9 Disagree - This is a cash out 90 product and is not subject to QM. Cash out loans are sold as safe harbor and are non QM. Please escalate to the client for review. - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open-The loan's (8.603%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.44%), which is the comparable average prime offer rate of (6.19%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/10/2026<br>|  |  |  | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXX | N/A | N/A |
| 305042059 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-25 11:10 | 2026-02-26 09:52 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required.<br>- Due Diligence Vendor-02/26/2026 <br> Ready for Review-XX 2/26 This is a Cash out 90 product and is not subject to QM - Due Diligence Vendor-02/26/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/25/2026 |  | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required.<br>- Due Diligence Vendor-02/26/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/25/2026<br>|  |  |  | KY | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305042059 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 05:37 | 2026-02-25 11:16 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-XX 2/24 This is a cash out 90 product and is not subject to QM. - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Open-The loan's (8.574%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.42%), which is the comparable average prime offer rate of (6.17%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) . - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/25/2026<br>|  |  |  | KY | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305044923 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-25 11:31 | 2026-03-01 17:37 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-03/01/2026 <br> Ready for Review-XX 2/27 This is a cash out 90 and is not subject to QM - Due Diligence Vendor-02/27/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/25/2026 |  | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-03/01/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/25/2026<br>|  |  |  | NM | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305044923 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 13:23 | 2026-02-25 11:34 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-XX 2/25 Please review the lock was update to rebuttal presumption. - Due Diligence Vendor-02/25/2026 <br> Counter-Based on rate lock, loan followed the QM guidelines. finding remains. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-XX 2/16 This is a cash out 90 product and is not subject to QM. - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open-The loan's (8.606%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.31%), which is the comparable average prime offer rate of (6.06%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) The loan's (8.606%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.31%), which is the comparable average prime offer rate of (6.06%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/25/2026<br>|  |  |  | NM | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305044848 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 15:42 | 2026-02-12 09:47 | Acknowledged | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (non-material jurisdictions) | Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) SFA Position - B exception grade for circuits in which there is no ruling.<br> - Due Diligence Vendor-02/06/2026 |  | Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (non-material jurisdictions) SFA Position - B exception grade for circuits in which there is no ruling.<br> - Due Diligence Vendor-02/06/2026<br>|  |  |  | CT | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305044848 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 11:48 | 2026-02-12 09:44 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/06/2026 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/06/2026<br>|  |  |  | CT | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305013269 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 06:33 | 2026-03-11 14:09 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than AUS Required Reserves (Number of Months) | Acknowledged-We are okay downgrading the asset condition based on the borrower strong credit history. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 <br> Escalated-. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-<br> According to the conventional cash-out 90 guidance, if the Automated Underwriting System (AUS) indicates that the loan is ineligible due to multiple risk factors, the reserve requirement must be met. However, the Desktop Underwriter (DU) findings clearly state that the loan is ineligible due to delivery restrictions to XXXXXX XXX, not because of multiple risk factors. Since this loan is being delivered to XXXXXXXX (XXX) and not XXXXXX XXX, the delivery restriction does not apply. Therefore, the reserve requirement is not necessary, and the loan still complies with the guidance. - Due Diligence Vendor-02/17/2026 <br> Open-Audited Reserves of zero month(s) are less than Guideline Required Reserves of 6 month(s). - Due Diligence Vendor-02/09/2026 |  | Acknowledged-We are okay downgrading the asset condition based on the borrower strong credit history. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305013269 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 06:17 | 2026-03-11 14:09 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Acknowledged-We are okay downgrading the asset condition based on the borrower strong credit history. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. Audited Reserves of zero month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-02/09/2026 |  | Acknowledged-We are okay downgrading the asset condition based on the borrower strong credit history. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305013269 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 05:57 | 2026-03-11 14:08 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-We are okay downgrading the asset condition based on the borrower strong credit history. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-02/09/2026 |  | Acknowledged-We are okay downgrading the asset condition based on the borrower strong credit history. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305012712 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-07 21:45 | 2026-02-12 08:47 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This finding is informational only. No further action is required - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 2/10: please advise what further is needed from us to clear this finding - Due Diligence Vendor-02/11/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/08/2026 |  | Acknowledged-This finding is informational only. No further action is required - Due Diligence Vendor-02/12/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/08/2026<br>|  |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305012712 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-09 11:50 | 2026-02-07 21:48 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/08/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/08/2026 <br> Ready for Review-XX 2/5: This has been relocked, please update to RP - Due Diligence Vendor-02/06/2026 <br> Escalated-. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-XX 1/30: Please update to reflect as RP - Due Diligence Vendor-01/30/2026 <br> Counter-Originator QM Status provided is QM: Safe Harbor APOR (APOR SH), therefore loan is subject to Qualified Mortgage standards; condition remains. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-XX 1/14: This loan type is not subject to QM - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/08/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/08/2026<br>|  |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305012712 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-09 11:50 | 2026-02-07 21:46 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Resolved - Due Diligence Vendor-02/08/2026 <br> Ready for Review-XX 2/5: This has been relocked, please update to RP - Due Diligence Vendor-02/06/2026 <br> Escalated-. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-XX 1/30: Please update to reflect as RP - Due Diligence Vendor-01/30/2026 <br> Counter-Originator QM Status provided is QM: Safe Harbor APOR (APOR SH), therefore loan is subject to Qualified Mortgage standards; condition remains. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-XX 1/14: Please see the attached Appraisal delivery, will purchase HPML as long as all requirements were met as they were on this loan (no appraisal wavier, timely delivery, no escrow waiver) - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/11/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open-The loan's (8.762%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.51%), which is the comparable average prime offer rate of (6.26%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) . - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 |  | Resolved-Resolved - Due Diligence Vendor-02/08/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | MA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304909636 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 06:00 | 2026-02-09 11:38 | Resolved | 1 - Information | Compliance | Disclosure | HPML: Delivery of Appraisal/Valuation to Applicant Not Timely | Resolved-signed acknowledgement of appraisal receipt in file. - Due Diligence Vendor-01/27/2026 <br>Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-01/27/2026 <br>Open-HPML Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely - Due Diligence Vendor-01/27/2026 |  | Resolved-signed acknowledgement of appraisal receipt in file. - Due Diligence Vendor-01/27/2026 <br>Resolved-HPML Compliant: Delivery of Appraisal/Valuation to Applicant Timely. - Due Diligence Vendor-01/27/2026<br>|  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304909636 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-21 14:42 | 2026-01-21 14:42 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/21/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/21/2026<br>|  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 304909636 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 08:07 | 2026-01-21 14:41 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-XX 1/19 Cash out loans are sold as safe harbor and are non QM. Please escalate to the client for review. - Due Diligence Vendor-01/19/2026 <br> Counter-The loan was submitted to audit as QM: Safe Harbor and the Lender compliance report reflects a QM fail. Please provide confirmation that the loan should have been submitted as NQM. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-XX 12/22 This is a cash out 90 product and is not subject to QM. - Due Diligence Vendor-12/22/2025 <br> Open-The loan's (8.951%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.48%), which is the comparable average prime offer rate of (6.23%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of XX/XX/XXXX was 6.23%. The interest rate per the Note is 8.499%. - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/21/2026<br>|  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304909636 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 08:07 | 2026-01-21 14:40 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-XX 1/19 Cash out loans are sold as safe harbor and are non QM. Please escalate to the client for review. - Due Diligence Vendor-01/19/2026 <br> Counter-The loan was submitted to audit as QM: Safe Harbor and the Lender compliance report reflects a QM fail. Please provide confirmation that the loan should have been submitted as NQM. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-XX 12/22 This is a cash out 90 product and is not subject to QM. - Due Diligence Vendor-12/22/2025 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XXX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of XX/XX/XXXX was 6.23%. The interest rate per the Note is 8.499%. - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/21/2026<br>|  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304878921 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-04 05:15 | 2026-01-19 13:56 | Resolved | 1 - Information | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Received email clarification stating to use AUS. Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) allowed by client overlays. - Due Diligence Vendor-01/19/2026 <br> Escalated-. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-1/9 XX: The conventional cash-out 90 product guidelines that XXX and XXX agreed upon only require reserves when requested by AUS. AUS findings show 0 months of reserves are required. What overlays are you referring to? - Due Diligence Vendor-01/09/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-01/04/2026 |  | Resolved-Received email clarification stating to use AUS. Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) allowed by client overlays. - Due Diligence Vendor-01/19/2026<br>|  |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304878921 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 12:17 | 2026-01-15 11:49 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This is an Informational Finding only. No additional information is needed. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-XX 1/15: This loan type is not subject to QM. Please advise what further is needed to resolve this citing - Due Diligence Vendor-01/15/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026 |  | Acknowledged-This is an Informational Finding only. No additional information is needed. - Due Diligence Vendor-01/15/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026<br>|  |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 304878921 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-30 09:15 | 2026-01-14 12:17 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/14/2026 <br> Ready for Review-XX 1/6 Disagree- This is a Cash out 90 product and is not subject to QM. - Due Diligence Vendor-01/06/2026 <br> Open-The loan's (9.076%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.49%), which is the comparable average prime offer rate of (6.24%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/14/2026<br>|  |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304878921 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-30 09:15 | 2026-01-14 12:16 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/14/2026 <br> Ready for Review-XX 1/6 Disagree- This is a Cash out 90 product and is not subject to QM. - Due Diligence Vendor-01/06/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/14/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/14/2026<br>|  |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305036644 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 15:07 | 2026-02-11 14:27 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The loan was changed to NQM XX/XX/XXXX. This finding is informational only. No further action is required. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-XX 2/11 This is a Cash out 90 product and is not subject to QM - Due Diligence Vendor-02/11/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026 |  | Acknowledged-The loan was changed to NQM XX/XX/XXXX. This finding is informational only. No further action is required. - Due Diligence Vendor-02/11/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026 |  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305036644 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 08:10 | 2026-02-10 15:11 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/10/2026 <br> Resolved- - Due Diligence Vendor-02/10/2026 <br> Ready for Review-XX 2/10 This is a cash out 90 product and is not subject to QM - Due Diligence Vendor-02/10/2026 <br> Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt.<br> - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/10/2026<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305036644 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 08:10 | 2026-02-10 15:10 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/10/2026 <br> Resolved- - Due Diligence Vendor-02/10/2026 <br> Ready for Review-XX 2/9: Please see the attached Appraisal Delivery Package // - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open-The loan's (8.884%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.42%), which is the comparable average prime offer rate of (6.17%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.375%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) . - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/10/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | WA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305027203 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 12:35 | 2026-01-22 08:32 | Resolved | 1 - Information | Credit | Missing Doc | HELOC Closure Letter Not Provided | Resolved-Received closure letter. Condition cleared. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-01/20/2026 - XX: Please see attached. - Due Diligence Vendor-01/20/2026 <br> Open-The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. - Due Diligence Vendor-01/14/2026 |  | Resolved-Received closure letter. Condition cleared. - Due Diligence Vendor-01/22/2026<br>| XXXXXXX_1.pdf |  |  | NH | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305027203 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 12:36 | 2026-01-22 08:31 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-. - Due Diligence Vendor-01/22/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/22/2026 <br>Ready for Review-01/20/2026 - KJ: Please see attached. - Due Diligence Vendor-01/20/2026 <br>Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing HELOC closure letter. - Due Diligence Vendor-01/14/2026 |  | Resolved-. - Due Diligence Vendor-01/22/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/22/2026<br>| XXXXXXX_1.pdf |  |  | NH | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304993692 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-07 09:57 | 2026-01-07 09:58 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-Unable to Resolve-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/07/2026 <br>Open-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/07/2026 |  | Acknowledged-Unable to Resolve-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/07/2026<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Originator Post-Close | No |
| 304993692 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 16:31 | 2026-01-07 09:57 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/06/2026 <br> Resolved- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/05/2026 <br> Open- - Due Diligence Vendor-01/05/2026 <br> Ready for Review-XX 1/2: We have deal with XXX currently to purchase this product without QM testing. - Due Diligence Vendor-01/02/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). A Bona Fide Discount Points Rate Reduction Basis of -.25% was used instead of at least 0.10% which is within industry standard. Therefore, Discount Points cannot be deemed bona fide. - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/22/2025 <br> Open- - Due Diligence Vendor-12/19/2025 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/06/2026<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304993692 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-19 12:07 | 2025-12-31 08:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/19/2025 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/19/2025<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 304892995 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-15 09:16 | 2025-12-31 08:14 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) . This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 |  | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) . This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/31/2025 |  |  |  | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Investor Post-Close | No |
| 305029279 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-16 09:49 | 2026-01-16 09:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/16/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/16/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305029208 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 12:23 | 2026-01-31 19:30 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-Received T&I for Primary. Condition cleared. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-1/30 XX: Please see attached documents - Due Diligence Vendor-01/30/2026 <br> Counter-Received HOI and tax bill for the subject property. Provide HOI and tax bill for the Primary. Condition remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-1/27 XX: Please see attached HOI Policy and tax bill - Due Diligence Vendor-01/27/2026 <br> Open-Missing Evidence of Taxes for property 3b on final application (primary residence). The mortgage statement for this property reflects there are no escrows collected for taxes and insurance. Lender qualified the loan with just the P&I payment. - Due Diligence Vendor-01/22/2026 |  | Resolved-Received T&I for Primary. Condition cleared. - Due Diligence Vendor-02/01/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | MI | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXX | N/A | N/A |
| 305029208 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 12:23 | 2026-01-31 19:30 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Received T&I for Primary. Condition cleared. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-1/30 XX: Please see attached documents - Due Diligence Vendor-01/30/2026 <br> Counter-Received HOI and tax bill for the subject property. Provide HOI and tax bill for the Primary. Condition remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-1/27 XX: Please see attached HOI Policy and tax bill - Due Diligence Vendor-01/27/2026 <br> Open-Missing Evidence of Insurance for property 3b on final application (primary residence). The mortgage statement for this property reflects there are no escrows collected for taxes and insurance. Lender qualified the loan with just the P&I payment. - Due Diligence Vendor-01/22/2026 |  | Resolved-Received T&I for Primary. Condition cleared. - Due Diligence Vendor-02/01/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | MI | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXX | N/A | N/A |
| 305029208 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 12:53 | 2026-01-31 19:29 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-. - Due Diligence Vendor-02/01/2026 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/01/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements . - Due Diligence Vendor-02/01/2026 <br> Ready for Review-1/30 XX: Please see attached documents - Due Diligence Vendor-01/30/2026 <br> Counter-Received HOI and tax bill for the subject property. Provide HOI and tax bill for the Primary. Condition remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-1/27 XX: Please see attached HOI Policy and tax bill - Due Diligence Vendor-01/27/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of taxes and insurance on primary residence. - Due Diligence Vendor-01/22/2026 |  | Resolved-. - Due Diligence Vendor-02/01/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/01/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | MI | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXX | N/A | N/A |
| 305029208 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 12:44 | 2026-01-22 12:44 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/22/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/22/2026<br>|  |  |  | MI | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Investor Post-Close | No |
| 304905213 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-08 18:40 | 2026-02-10 13:22 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-XX 2/9: Please advise what further is needed to clear this finding - Due Diligence Vendor-02/09/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/09/2026 |  | Acknowledged-This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/09/2026<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 304905213 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-13 00:55 | 2026-02-08 18:47 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-02/09/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/09/2026 <br> Ready for Review-XX 2/5: This has been relocked, please update to RP - Due Diligence Vendor-02/06/2026 <br> Escalated-. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-XX 1/30: Please update to reflect as RP // - Due Diligence Vendor-01/30/2026 <br> Counter-Received a copy of the appraisal and proof of delivery. Condition remains. - Due Diligence Vendor-01/16/2026 <br> Open- - Due Diligence Vendor-01/16/2026 <br> Ready for Review-XX 1/15: Please see the attached // - Due Diligence Vendor-01/15/2026 <br> Open-The loan's (8.826%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.51%), which is the comparable average prime offer rate of (6.26%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Insufficient APOR Rate Spread: Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of XX/XX/XXXX was 6.26%. The interest rate per the Note is 8.499%. - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-02/09/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/09/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304905213 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-13 00:55 | 2026-01-16 13:47 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-01/16/2026 <br> Resolved- - Due Diligence Vendor-01/16/2026 <br> Ready for Review-XX 1/15: Please see the attached // - Due Diligence Vendor-01/15/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 |  | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-01/16/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304905213 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 10:17 | 2026-01-14 10:17 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 304907149 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2025-12-18 16:14 | 2025-12-22 14:47 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Disbursement date XX/XX/XXXX. - Due Diligence Vendor-12/22/2025 |  |  |  |  |  | WA | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305027397 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 13:33 | 2026-02-12 14:56 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 2/12 This is a cash out 90 product and is not subject to QM - Due Diligence Vendor-02/12/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/11/2026 |  | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/12/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/11/2026<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305027397 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 07:39 | 2026-02-11 13:55 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD. Condition cleared. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-XX 2/9: Please see the attached // - Due Diligence Vendor-02/09/2026 <br> Open-The loan file is missing the Closing Disclosure corresponding to the COCs dated XX/XX/XXXX (there were 4 COCs dated XX/XX/XXXX). - Due Diligence Vendor-02/06/2026 |  | Resolved-Received the initial CD. Condition cleared. - Due Diligence Vendor-02/11/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305027397 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 11:15 | 2026-02-11 13:42 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-XX 2/9: Please see the attached Appraisal Delivery Package // - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open-The loan's (8.983%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.47%), which is the comparable average prime offer rate of (6.22%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305027397 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 11:15 | 2026-02-11 13:41 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-XX 2/9: We have deal with XXX currently to purchase this product without QM testing. - Due Diligence Vendor-02/09/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt.<br> - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304909913 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-03 05:32 | 2026-01-14 14:31 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial CD and receipt verification. - Due Diligence Vendor-01/14/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/14/2026 <br> Ready for Review-XX 1/8: Please see the attached // - Due Diligence Vendor-01/09/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD missing. Compliance will be reevaluated once received. - Due Diligence Vendor-01/03/2026 <br> Open- - Due Diligence Vendor-01/03/2026 |  | Resolved-Received Initial CD and receipt verification. - Due Diligence Vendor-01/14/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/14/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | N/A | N/A |
| 304909913 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-07 07:51 | 2026-01-07 07:51 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/07/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/07/2026<br>|  |  |  | AZ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXX | Originator Post-Close | No |
| 305026217 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 09:42 | 2026-03-13 07:53 | Cured | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (material jurisdictions) | Cured-Cured post-close, borrower receipt XX/XX/XXXX and end of new rescission period XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-XX 3/12 Please see the attached Letter of Explanation, Corrected Right to Cancel, Final Closing Disclosure, and proof of delivery. - Due Diligence Vendor-03/12/2026 <br> Open-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (material jurisdictions) C exception grade for circuits in which there is an unfavorable ruling for the usage of an H-8 form in all scenarios. Provide Letter of Explanation, Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission.<br> - Due Diligence Vendor-02/06/2026 |  | Cured-Cured post-close, borrower receipt XX/XX/XXXX and end of new rescission period XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/13/2026 | XXXXXXX_1.pdf |  |  | PA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305026217 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 10:20 | 2026-03-05 09:02 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Cured-Received proof of delivery. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-XX 3/2 Please see proof of delivery with screenshot from FedEx with the tracking number from the label - Due Diligence Vendor-03/02/2026 <br> Counter-Received Letter of Explanation, Corrected Closing Disclosure, Refund Check, and Fed Ex label. Provide proof of delivery/receipt. Condition remains. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-XX 2/23 Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, and proof of delivery. - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXX, reflects an Appraisal Fee of $XXX.XX and no Inspection Fee. Final CD dated XX/XX/XXXX reflects an Appraisal Fee of XXX.XX and a Final Inspection Fee of XX.XX. The Loan Estimate reflecting the increase, dated XX/XX/XXXX was not dated within 3 days of the valid COC which occurred on XX/XX/XXX. NOTE: The appraisal invoice of $XXX.XX is dated XX/XX/XXXX. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.<br> - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 |  | Cured-Received proof of delivery. - Due Diligence Vendor-03/05/2026<br>| XXXXXXX__1.pdf<br> XXXXXXX__1.pdf |  |  | PA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305026217 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 10:20 | 2026-03-05 09:01 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Received proof of delivery. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-XX 3/2 Please see proof of delivery with screenshot from FedEx with the tracking number from the label - Due Diligence Vendor-03/02/2026 <br> Counter-Received Letter of Explanation, Corrected Closing Disclosure, Refund Check, and Fed Ex label. Provide proof of delivery/receipt. Condition remains. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-XX 2/23 Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, and proof of delivery. - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The loan file contains a change of circumstance, dated XX/XX/XXXX. The revised LE is dated XX/XX/XXXX, which was outside of the required timely disclosure requirement. No Cure.<br> - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 |  | Cured-Received proof of delivery. - Due Diligence Vendor-03/05/2026<br>| XXXXXXX__1.pdf<br> XXXXXXX__1.pdf |  |  | PA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305026217 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 13:28 | 2026-02-12 08:31 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 2/11: Please advise what further is needed from us to clear this finding - Due Diligence Vendor-02/11/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026 |  | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/12/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305026217 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 07:36 | 2026-02-10 13:34 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/10/2026 <br> Resolved- - Due Diligence Vendor-02/10/2026 <br> Ready for Review-XX 2/9 Disagree. This is a cash out 90 product and is not subject to QM - Due Diligence Vendor-02/09/2026 <br> Open-The loan's (8.985%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.54%), which is the comparable average prime offer rate of (6.29%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.375%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) The loan's (8.963%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.54%), which is the comparable average prime offer rate of (6.29%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.375%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) . - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/10/2026<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305026217 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 07:36 | 2026-02-10 13:33 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/10/2026 <br> Resolved- - Due Diligence Vendor-02/10/2026 <br> Ready for Review-XX 2/9 Disagree. This is a cash out 90 product and is not subject to QM - Due Diligence Vendor-02/09/2026 <br> Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/10/2026<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305028135 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 10:49 | 2026-02-25 11:42 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-Lender confirmed app date of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/25/2026 <br> Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender confirmed app date of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/25/2026 <br> Acknowledged-ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 |  |  |  | KS | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305028135 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 10:39 | 2026-02-25 11:41 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Lender confirmed app date of 12/12/2025. Condition cleared. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-XX 2/24: Disagree. The Loan application was signed on XX/XX/XXXX which is the same date as the initial disclosures were signed. The Loan was imported on XX/XX/XXXX but not disclosed until XX/XX/XXXX due to not having all 6 pieces of information. The Lock confirmation you are referencing is the investors lock sheet and not the Lenders lock sheet. The investors lock sheet has the import date as the Application date which is incorrect. - Due Diligence Vendor-02/25/2026 <br> Counter-. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Counter-The lock confirmation shows an application date of XX/XX/XXXX. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-XX 2/2: Please clarify the docID being used to determine application date so we can further assist - Due Diligence Vendor-02/03/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure.<br> - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender confirmed app date of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/25/2026 |  |  |  | KS | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305028135 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-30 10:39 | 2026-02-25 11:41 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Lender confirmed app date of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/25/2026 <br> Acknowledged-. - Due Diligence Vendor-02/04/2026 <br> Open-. - Due Diligence Vendor-02/04/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender confirmed app date of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/25/2026 <br> Acknowledged-. - Due Diligence Vendor-02/04/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/30/2026 |  |  |  | KS | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305028135 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-24 12:48 | 2026-02-03 18:12 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-02/04/2026 <br> Resolved- - Due Diligence Vendor-02/04/2026 <br> Ready for Review-XX 2/2: Please see the attached // - Due Diligence Vendor-02/03/2026 <br> Open- - Due Diligence Vendor-01/30/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-01/24/2026 <br> Open- - Due Diligence Vendor-01/24/2026 <br> Open- - Due Diligence Vendor-01/24/2026 <br> Open- - Due Diligence Vendor-01/24/2026 <br> Open- - Due Diligence Vendor-01/24/2026 |  | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-02/04/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | KS | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304909871 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 14:58 | 2026-01-27 13:47 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-XX 1/27 Please see attached e-sign consent from 11/20/25 - Due Diligence Vendor-01/27/2026 <br> Open-E-Consent documentation is missing for borrower(s) The e-Consent disclosures for both Borrowers are missing from the loan file. Missing e-Consent dated prior to the electronically signed initial disclosures dated XX/XX/XXXX. - Due Diligence Vendor-01/22/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/27/2026<br>| XXXXXXX_1.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305035594 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-16 15:33 | 2026-02-24 15:54 | Resolved | 1 - Information | Credit | Eligibility | Audited FICO is less than AUS FICO | Resolved-Received the credit report that was used by DU. Condition cleared. - Due Diligence Vendor-02/24/2026 <br> Resolved-Audited FICO of 771 is equal to or greater than AUS FICO of 771 - Due Diligence Vendor-02/24/2026 <br> Ready for Review-2/23 XX: Please see attached credit report that reflects the qualifying FICO of 771. - Due Diligence Vendor-02/23/2026 <br> Open-Audited FICO of 705 is less than AUS FICO of 771 - Due Diligence Vendor-02/16/2026 |  | Resolved-Received the credit report that was used by DU. Condition cleared. - Due Diligence Vendor-02/24/2026 <br>Resolved-Audited FICO of 771 is equal to or greater than AUS FICO of 771 - Due Diligence Vendor-02/24/2026<br>| XXXXXXX_1.pdf |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 305035594 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 05:04 | 2026-02-24 15:53 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-ECOA Compliant: Evidence provided Appraisal Disclosure provided timely. - Due Diligence Vendor-02/24/2026 <br> Resolved-Reviewed initial disclosures show 01/09/2026, which is makes the ECOA received in a timely fashion. Finding resolved. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-XX 2/17 Please advise where you are getting the Application Date of XX/XX/XXXX. I can not locate this date anywhere. I have the Application Date of XX/XX/XXXX - Due Diligence Vendor-02/17/2026 <br> Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. - Due Diligence Vendor-02/11/2026 |  | Resolved-ECOA Compliant: Evidence provided Appraisal Disclosure provided timely. - Due Diligence Vendor-02/24/2026 <br> Resolved-Reviewed initial disclosures show XX/XX/XXXX, which is makes the ECOA received in a timely fashion. Finding resolved. - Due Diligence Vendor-02/17/2026 |  |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 305035594 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 03:48 | 2026-02-20 11:13 | Resolved | 1 - Information | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Subject property is located in California, which is a dry funding state - Due Diligence Vendor-02/20/2026 <br> Ready for Review-2/20 XXX: Please note that the subject property is located in California, which is a dry funding state. Dry funding states ensure that the loan documentation is signed and verified on the loan's closing date, but the loan does not actually close until the funds have been wired. Since the policy was in effect at the time of the disbursement date, this is acceptable for a dry funding state. - Due Diligence Vendor-02/20/2026 <br> Rescinded-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX, as disbursement date is XX/XX/XXX. - Due Diligence Vendor-02/11/2026 |  | Resolved-Subject property is located in California, which is a dry funding state - Due Diligence Vendor-02/20/2026 <br> Rescinded-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX, as disbursement date is XX/XX/XXXX. - Due Diligence Vendor-02/11/2026 |  |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 305035594 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 05:25 | 2026-02-18 17:42 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received verification the app date is XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-XX 2/17: Please clarify the DocID being used to application date testing - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/16/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Resolved-Received verification the app date is XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/18/2026 |  |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 305035594 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 05:25 | 2026-02-18 17:42 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received verification the app date is XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-XX 2/17: Please clarify the DocID being used to application date testing - Due Diligence Vendor-02/18/2026 <br> Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/11/2026 |  | Resolved-Received verification the app date is XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-02/18/2026 |  |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | N/A | N/A |
| 304911417 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 09:09 | 2026-02-02 19:08 | Cured | 1 - Information | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H9 | Cured-Received new NORTC on form H8, proof of delivery and proof of receipt. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-XX 2/2: Please see the attached remediation with proof of delivery // <br> - Due Diligence Vendor-02/02/2026 <br> Open-TILA: Incorrect NORTC model provided - H9 H-9 used for New Lender, should be H-8. Provide Letter of Explanation, Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission.<br> - Due Diligence Vendor-01/14/2026 |  | Cured-Received new NORTC on form H8, proof of delivery and proof of receipt. - Due Diligence Vendor-02/03/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 304911417 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-15 12:08 | 2026-01-15 12:08 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. Informational finding. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. Informational finding. - Due Diligence Vendor-01/15/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 304911417 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-10 05:45 | 2026-01-15 12:07 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-XX 1/15 This is a cash out 90 product and is not subject to QM - Due Diligence Vendor-01/15/2026 <br> Open-The loan's (8.682%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.48%), which is the comparable average prime offer rate of (6.23%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of XX/XX/XXXX was 6.23%. The interest rate per the Note is 8.499%.<br> - Due Diligence Vendor-01/10/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/10/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/15/2026<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305024007 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-09 03:55 | 2026-02-03 15:39 | Cured | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Cured-Received proof of delivery. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-XX 2/2 Please see the attached screenshot from FedEx with proof of receipt - Due Diligence Vendor-02/02/2026 <br> Counter-Received correct NORTC form, LOX, and proof the doc was sent. Provide evidence of receipt. Proof of receipt can be evidenced through receipt/delivery confirmations from courier, executed NORTC, email acknowledgement, confirmation of electronic receipt. Condition remains. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-XX 1/29: Please see the attached remediation with proof of delivery // <br> - Due Diligence Vendor-01/30/2026 <br> Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 |  | Cured-Received proof of delivery. - Due Diligence Vendor-02/03/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305027045 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 17:34 | 2026-01-30 08:13 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This is an informational finding. No further action is required. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-XX 1/28: Please advise what additional is required to clear this citing - Due Diligence Vendor-01/28/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/27/2026 |  | Acknowledged-This is an informational finding. No further action is required. - Due Diligence Vendor-01/30/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/27/2026<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305027045 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-19 07:57 | 2026-01-27 17:35 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-01/27/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/27/2026 <br> Ready for Review-XX 1/27 This is a cash out 90 product and is not subject to QM. - Due Diligence Vendor-01/27/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of XX/XX/XXXX was 6.25%. The interest rate per the Note is 7.875%. <br>- Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/19/2026 <br> Open- - Due Diligence Vendor-01/19/2026 <br> Open- - Due Diligence Vendor-01/19/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-01/27/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/27/2026<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305013423 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 10:51 | 2026-01-15 12:20 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/15/2026 |  | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/15/2026<br>|  |  |  | AZ | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305013423 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-15 12:13 | 2026-01-15 12:13 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026<br>|  |  |  | AZ | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305013335 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-17 08:23 | 2026-02-05 16:05 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-02/05/2026 <br> Ready for Review-2/5 XX: Are we able to get this cleared due to other condition being cleared. - Due Diligence Vendor-02/05/2026 <br> Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements The Hazard insurance provided for the subject property does not reflect an annual premium, unable to verify subject PITIA - Due Diligence Vendor-01/17/2026 |  | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-02/05/2026<br>| XXXXXXX_1.pdf |  |  | WA | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXX | N/A | N/A |
| 305013335 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-17 08:18 | 2026-02-04 15:22 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/04/2026 <br> Ready for Review-2/3 XX: Please see attached LOX from the HOI agent confirming the premium amount - Due Diligence Vendor-02/03/2026 <br> Counter-Received a dec page good through XX/XX/XXXX. The Note date is XX/XX/XXXX. Unable to determine if the policy amount is the same through the following policy period. Condition remains. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/27 XX: Please see attached document - Due Diligence Vendor-01/27/2026 <br> Open-Hazard Insurance Policy Partially Provided The policy provided does not reflect the annual premium. - Due Diligence Vendor-01/17/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/04/2026<br>| XXXXXXX__1.pdf<br> XXXXXXX__1.pdf |  |  | WA | Second Home | Refinance | No Cash Out - Borrower Initiated | XXXXXX | N/A | N/A |
| 305013570 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 13:58 | 2026-02-12 08:30 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 2/11: Please advise what further is needed from us to clear this finding - Due Diligence Vendor-02/11/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026 |  | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/12/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This is an informational finding only. No further action is required. - Due Diligence Vendor-02/10/2026<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305013570 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-05 10:24 | 2026-02-10 14:01 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-XX 2/9 Disagree. This is a cash out 90 product and is not subject to QM - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($XXX.XX). (12 CFR 1026.43(e)(3). The reduction in rate per discount point charged is 0.0850%, which is below industry standard. Therefore, Discount Points cannot be deemed bona fide. - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-02/05/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/10/2026<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305030732 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-31 13:39 | 2026-02-03 17:47 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This loan was already changed to NQM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-XX 2/2: Please update to reflect as RP - Due Diligence Vendor-02/03/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/31/2026 |  | Acknowledged-This loan was already changed to NQM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/03/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/31/2026<br>|  |  |  | WI | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305030732 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-21 11:43 | 2026-01-31 13:43 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/31/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/31/2026 <br> Ready for Review-XX 1/23 This is a Cash-out 90 product and is not subject to QM. - Due Diligence Vendor-01/30/2026 <br> Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discounted in rate. Compliance will be re-reviewed upon receipt. Please note that compliance results located in the loan file also reflect a QM Points and Fees fail. - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/31/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/31/2026<br>|  |  |  | WI | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305026216 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 07:16 | 2026-02-11 07:17 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305029754 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-17 12:45 | 2026-01-29 16:50 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/29/2026 <br> Resolved-Resolved - Due Diligence Vendor-01/29/2026 <br> Ready for Review-XX 1/28 This is a cash out 90 product and is not subject to QM. - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/27/2026 <br> Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Audit used par rate of 7.698% for bona-fide fee testing. - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/17/2026 <br> Open- - Due Diligence Vendor-01/17/2026 <br> Open- - Due Diligence Vendor-01/17/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/29/2026 <br>Resolved-Resolved - Due Diligence Vendor-01/29/2026<br>|  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305029754 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 16:48 | 2026-01-29 16:48 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/29/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/29/2026<br>|  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305027395 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-15 13:09 | 2026-01-27 17:47 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-01/27/2026 <br> Escalated- - Due Diligence Vendor-01/27/2026 <br> Open- - Due Diligence Vendor-01/24/2026 <br> Ready for Review-XX 1/23: We have deal with XXX currently to purchase this product without QM testing. - Due Diligence Vendor-01/24/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). A Bona Fide Discount Points Rate Reduction Basis of -.23% was used instead of at least 0.10% which is within industry standard. Therefore, Discount Points cannot be deemed bona fide.<br> - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/15/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM.<br>- Due Diligence Vendor-01/27/2026<br>|  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305027395 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 17:42 | 2026-01-27 17:42 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/27/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/27/2026<br>|  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305027395 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-15 13:09 | 2026-01-24 10:16 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-01/24/2026 <br> Resolved-. - Due Diligence Vendor-01/24/2026 <br> Resolved- - Due Diligence Vendor-01/24/2026 <br> Ready for Review-XX 1/23: Please see the attached // - Due Diligence Vendor-01/24/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Compliance will be re-reviewed upon receipt of the initial I-CD. Additional conditions may apply. - Due Diligence Vendor-01/15/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/15/2026 |  | Resolved-Received the Initial CD. Condition cleared. - Due Diligence Vendor-01/24/2026 <br>Resolved-. - Due Diligence Vendor-01/24/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | VA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305027395 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-22 11:12 | 2026-01-22 11:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/22/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/22/2026<br>|  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305031277 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 08:35 | 2026-02-16 08:49 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-XX 2/13: Please advise what further is needed from us to clear this finding - Due Diligence Vendor-02/13/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/12/2026 |  | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/16/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/12/2026<br>|  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305031277 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 12:47 | 2026-02-12 08:40 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 2/11: Please see the attached Appraisal Delivery // - Due Diligence Vendor-02/11/2026 <br> Open-The loan's (8.549%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.5%), which is the comparable average prime offer rate of (6.25%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (7.99%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/12/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | NV | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305031277 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-10 12:47 | 2026-02-12 08:39 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 2/11: We have deal with XXX currently to purchase this product without QM testing. - Due Diligence Vendor-02/11/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/12/2026<br>|  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305029719 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-13 16:30 | 2026-02-20 14:11 | Resolved | 1 - Information | Credit | Eligibility | LTV exceeds client overlay guidelines | Resolved-Verified with guideline matrix, Conventional Cash-Out 90 30 Year Fixed - Due Diligence Vendor-02/20/2026 <br> Ready for Review-2/18/26 - XX: Please note that the product on this file is a Conventional Cash-Out 90 30 Year Fixed that is approved with XXX's agreed upon matrix. - Due Diligence Vendor-02/18/2026 <br> Open-Audited LTV of 90% exceeds guideline LTV of 80% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 80%. However, the current LTV of the subject is 90%. - Due Diligence Vendor-02/13/2026 |  | Resolved-Verified with guideline matrix, Conventional Cash-Out 90 30 Year Fixed - Due Diligence Vendor-02/20/2026<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305030731 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 08:40 | 2026-02-20 14:13 | Resolved | 1 - Information | Credit | Eligibility | LTV exceeds client overlay guidelines | Resolved-Verified with guideline matrix within LTV 89.998% - Due Diligence Vendor-02/20/2026 <br> Ready for Review-2/18 XX: Please note that XXX calculated LTV is $XXX,XXX / $XXX,XXX = XXXXX which is within guideline maximum of 89.999. - Due Diligence Vendor-02/19/2026 <br> Open-Audited LTV of 90% exceeds guideline LTV of 89.99% allowed by client overlays. Client lender overlay guidelines requires a maximum LTV of 89.99%. However, the current LTV of the subject is 89.999%. - Due Diligence Vendor-02/11/2026 |  | Resolved-Verified with guideline matrix within LTV 89.998% - Due Diligence Vendor-02/20/2026<br>|  |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305030731 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 09:01 | 2026-02-13 08:25 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-XX 2/12: Please see the attached // - Due Diligence Vendor-02/13/2026 <br> Open-The loan's (9.088%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.44%), which is the comparable average prime offer rate of (6.19%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) .The loan's (9.087%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.5%), which is the comparable average prime offer rate of (6.25%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/06/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/13/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305030731 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-06 09:01 | 2026-02-13 08:24 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-XX 2/12: We have deal with XXX currently to purchase this product without QM testing. - Due Diligence Vendor-02/13/2026 <br> Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of XX/XX/XXXX was 6.19%. The interest rate per the Note is 8.499%. <br> - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/06/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/13/2026<br>|  |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305030731 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-13 08:09 | 2026-02-13 08:09 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/13/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/13/2026<br>|  |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305029849 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-27 17:49 | 2026-01-30 08:14 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This is an informational finding. No further action is required. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-XX 1/28 Please advise what is needed in order to get this cleared - Due Diligence Vendor-01/28/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/27/2026 |  | Acknowledged-This is an informational finding. No further action is required. - Due Diligence Vendor-01/30/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-01/27/2026<br>|  |  |  | MD | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305029849 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-19 00:00 | 2026-01-27 17:52 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-XX 1/23: We have deal with XXX currently to purchase this product without QM testing. - Due Diligence Vendor-01/24/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX) - Due Diligence Vendor-01/19/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/19/2026 <br> Open- - Due Diligence Vendor-01/19/2026 <br> Open- - Due Diligence Vendor-01/19/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-01/27/2026<br>|  |  |  | MD | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305029849 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-21 16:31 | 2026-01-21 16:31 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/21/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/21/2026<br>|  |  |  | MD | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305029785 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 12:50 | 2026-02-19 13:13 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-XX 2/19 Please submit as Non-QM - Due Diligence Vendor-02/19/2026 <br> Counter-Since the loan approval with the rate lock states QM, need a compliance report showing the loan qualified as non-QM from you Finding remains. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-XX 2/17 This is a cash out 90 product and is not subject to QM. Please submit as Non-QM - Due Diligence Vendor-02/17/2026 <br> Counter-Appraisal delivery was already reviewed. Please confirm if this loan should have been submitted as non-QM instead of QM. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 2/11: Please see the attached Appraisal Delivery // - Due Diligence Vendor-02/11/2026 <br> Open-The loan's (8.634%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.52%), which is the comparable average prime offer rate of (6.27%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.249%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) The loan's (8.629%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.52%), which is the comparable average prime offer rate of (6.27%) plus 2.25. - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/19/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | OR | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305029785 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-19 13:08 | 2026-02-19 13:08 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/19/2026 |  | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/19/2026<br>|  |  |  | OR | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305029785 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 16:31 | 2026-02-17 14:34 | Resolved | 1 - Information | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H9 | Resolved-Correct Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened, Finding resolved. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-XX 2/17 Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened - Due Diligence Vendor-02/17/2026 <br> Open-TILA: Incorrect NORTC model provided - H9 Form H-9 used for New Lender Refinance. Provide Letter of Explanation, Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission.<br> - Due Diligence Vendor-02/09/2026 |  | Resolved-Correct Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened, Finding resolved. - Due Diligence Vendor-02/17/2026<br>| XXXXXXX_1.pdf |  |  | OR | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305031587 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-26 09:47 | 2026-03-01 18:10 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This loan was changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-XX 2/27: Please advise what further is needed from us to clear this finding - Due Diligence Vendor-02/28/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/26/2026 |  | Acknowledged-This loan was changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-03/02/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/26/2026<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305031587 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-19 13:58 | 2026-02-26 09:50 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-XX 2/25 This is a Cash out 90 product and is not subject to QM - Due Diligence Vendor-02/25/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Open-The loan's (8.934%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.5%), which is the comparable average prime offer rate of (6.25%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/26/2026<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305031587 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-19 13:58 | 2026-02-26 09:50 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-XX 2/25 This is a Cash out 90 product and is not subject to QM - Due Diligence Vendor-02/25/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of XX/XX/XXXX was6.25%. The interest rate per the Note is 8.499%. <br> - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/26/2026<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305031643 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-12 14:06 | 2026-02-13 08:02 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-XX 2/12: Please advise what further is needed from us to clear this finding - Due Diligence Vendor-02/13/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/12/2026 |  | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/13/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/12/2026<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305031643 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-07 16:09 | 2026-02-12 14:09 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/12/2026 <br> Open-The loan's (8.961%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.42%), which is the comparable average prime offer rate of (6.17%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.375%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-02/07/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/12/2026<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305031643 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-07 16:09 | 2026-02-12 14:09 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-XX 2/12 This is a cash out 90 product and is not subject to QM - Due Diligence Vendor-02/12/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of XX/XX/XXXX was 6.170%. The interest rate per the Note is 8.375%. - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open- - Due Diligence Vendor-02/07/2026 <br> Open- - Due Diligence Vendor-02/07/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/12/2026<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305044846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 02:39 | 2026-02-11 14:14 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-XX 2/10 This is a Cash out 90 product and is not subject to QM. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open-The loan's (8.912%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.31%), which is the comparable average prime offer rate of (6.06%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) The loan's (8.912%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.31%), which is the comparable average prime offer rate of (6.06%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXX | N/A | N/A |
| 305044846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 02:39 | 2026-02-11 14:14 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-XX 2/10 This is a Cash out 90 product and is not subject to QM. - Due Diligence Vendor-02/10/2026 <br> Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XXX.XX). (12 CFR 1026.43(e)(3). Under the Dodd-Frank Act and Regulation Z, up to 2 bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 1; or up to 1 bona fide discount point if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + 2. The APOR as of XX/XX/XXXX was 6.06%. The interest rate per the Note is 8.499%. - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/11/2026<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXX | N/A | N/A |
| 305044846 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-11 14:06 | 2026-02-11 14:13 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/11/2026 <br>Open-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/11/2026 |  | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/11/2026<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXX | Investor Post-Close | No |
| 305042276 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-24 08:03 | 2026-02-26 09:44 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-XX 2/25 This is a Cash out 90 product and is not subject to QM - Due Diligence Vendor-02/25/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/24/2026 |  | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/26/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/24/2026<br>|  |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | Investor Post-Close | No |
| 305042276 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-07 21:18 | 2026-02-24 08:06 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-XX 2/23: We have deal with XXX currently to purchase this product without QM testing. - Due Diligence Vendor-02/24/2026 <br> Open-The loan's (8.628%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.31%), which is the comparable average prime offer rate of (6.06%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/20/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/08/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/24/2026<br>|  |  |  | IN | Primary Residence | Refinance | Cash Out - Other | XXXXXX | N/A | N/A |
| 305036579 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-24 08:27 | 2026-02-26 09:42 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-XX 2/25 This is a Cash out 90 product and is not subject to QM - Due Diligence Vendor-02/25/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/24/2026 |  | Acknowledged-This loan was already changed from QM to Non-QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/26/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/24/2026<br>|  |  |  | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXX | Investor Post-Close | No |
| 305036579 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 11:14 | 2026-02-24 08:30 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-XX 2/23 This is a cash out 90 product and is not subject to QM. - Due Diligence Vendor-02/23/2026 <br> Counter-. - Due Diligence Vendor-02/16/2026 <br> Counter-Please confirm if this loan was supposed to be submitted to Opus as Non-QM instead of QM. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-XX 2/13: Please see the attached Appraisal Delivery // - Due Diligence Vendor-02/14/2026 <br> Open-The loan's (8.651%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (8.44%), which is the comparable average prime offer rate of (6.19%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (8.499%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/24/2026<br>| XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXX | N/A | N/A |
| 305036579 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-02-09 08:25 | 2026-02-10 07:25 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/09/2026<br>|  |  |  | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXX | Investor Post-Close | No |
| 305023985 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-23 07:07 | 2026-01-26 07:35 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026<br>|  |  |  | OR | Primary Residence | Purchase | NA | XXXXXX | Originator Post-Close | No |
| 304903246 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-14 12:30 | 2026-01-14 12:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/14/2026<br>|  |  |  | CA | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |
| 305024037 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | Closed | 2026-01-29 12:52 | 2026-01-29 12:52 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/29/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/29/2026<br>|  |  |  | PA | Primary Residence | Purchase | NA | XXXXXX | Investor Post-Close | No |

---

## Exhibit 99.25

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.25**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **ALT ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 305013275 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX D A B |
| 304898066 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 304907169 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX D C A |
| 304905168 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305047535 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305030974 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305013281 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 304909454 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C B |
| 305026460 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 304897620 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX B C A |
| 305027204 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 304904494 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 304893014 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX C A B |
| 305024775 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305031043 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 304904502 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX C A |
| 305024975 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 304894335 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX D B A |
| 304896729 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305012705 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 304897088 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX C A |
| 304909874 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 304904465 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305013263 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 304933511 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305029757 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX C A B |
| 305013385 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305013384 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX C A |
| 304911021 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305024453 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305026214 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX C A |
| 305027515 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305011941 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305027497 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305012684 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305013687 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305029281 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C B |
| 305013657 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305029882 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305033668 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A D |
| 305026461 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305025065 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305026148 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305027046 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305031504 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305028247 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C B |
| 305028396 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305030956 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305029255 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C B |
| 305031278 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305029209 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305029756 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX C A |
| 305034635 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305032481 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305033605 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX D C A |
| 305040631 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305046125 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305042059 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305044923 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305036903 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305044848 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305039614 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305013269 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX C A B |
| 304872107 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305012712 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 304909636 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 304878921 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX C A |
| 304908661 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305036644 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305027203 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX D C A |
| 304993692 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C B |
| 304892995 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305029279 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 304904404 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305026188 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305029208 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX D C A B |
| 304905213 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C B |
| 304907149 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX B A |
| 305027397 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A D |
| 305027396 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 304909913 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C B |
| 305026217 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C B |
| 305028135 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 304909871 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305035594 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX C A |
| 304911417 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305024007 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305027045 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305013423 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305013335 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX D C A |
| 305013570 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305024460 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305030732 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305026216 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305029754 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305027395 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C B |
| 305012756 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305031277 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305036580 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305029576 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305029719 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX C A |
| 305030731 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX C A |
| 305031680 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305029849 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C B |
| 305029785 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305031587 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305040523 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305031643 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305044846 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305042276 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C |
| 305036579 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A C B |
| 305023985 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 304903246 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |
| 305024467 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A |
| 305024037 | XXXXXXX | XXXXXXX | XXXXXXX | $XXXXXXXX A B |

---

## Exhibit 99.26

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.26**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ALT ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 305013275 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XX/XX/XXXX |
| 304898066 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.89 | 89.89 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304907169 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304905168 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305047535 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 87.91 | 87.91 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 305030974 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX |
| 305013281 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
| 304909454 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XX/XX/XXXX |
| 305026460 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 304897620 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305027204 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.89 | 89.89 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XX/XX/XXXX |
| 304904494 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | Hybrid Appraisal | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| 304893014 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | 1004 URAR |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305024775 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.0 | 89.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |
| 305031043 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 82.0 | 82.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304904502 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305024975 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.0 | 89.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| 304894335 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.97 | 85.97 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 304896729 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | $XXXXXX | -.0549 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | -.0549 | 94.0 | 0.06 | XXXXXXXX | ClearAVM | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XX/XX/XXXX |
| 305012705 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 304897088 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.9 | 89.9 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304909874 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible | 1 | XX/XX/XXXX |
| 304904465 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 82.97 | 82.97 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305013263 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304933511 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | $XXXXXX | -.0095 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | -.0095 | 97.0 | 0.03 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029757 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | $XXXXXX | .1951 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | .1951 | 96.0 | 0.04 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XX/XX/XXXX |
| 305013385 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.89 | 89.89 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305013384 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.89 | 89.89 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 304911021 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.85 | 89.85 | $XXXXXX | $XXXXXX | -.0801 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | -.0801 | 91.0 | 0.09 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305024453 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.0 | 89.0 | $XXXXXX | $XXXXXX | -.0794 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | -.0794 | 97.0 | 0.03 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| 305026214 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305027515 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 87.3 | 87.3 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305011941 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027497 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | $XXXXXX | -.0348 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | -.0348 | 97.0 | 0.03 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305012684 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible | 1.7 | XX/XX/XXXX |
| 305013687 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | $XXXXXX | -.0232 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | -.0232 | 96.0 | 0.04 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 305029281 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305013657 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX Eligible |  |  |
| 305029882 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| 305033668 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305026461 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305025065 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | $XXXXXX | -.0121 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | -.0121 | 96.0 | 0.04 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 305026148 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX |
| 305027046 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.2 | 89.2 | $XXXXXX | $XXXXXX | .0132 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | .0132 | 97.0 | 0.03 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305031504 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.88 | 89.88 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX Eligible | 1.7 | XX/XX/XXXX |
| 305028247 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305028396 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305030956 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.97 | 89.97 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029255 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305031278 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 305029209 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| 305029756 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305034635 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.57 | 89.57 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305032481 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 87.69 | 87.69 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305033605 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 87.43 | 87.43 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305040631 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 88.98 | 88.98 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305046125 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.9 | 89.9 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305042059 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 88.0 | 88.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305044923 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible | 1 | XX/XX/XXXX |
| 305036903 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | $XXXXXX | -.0253 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | -.0253 | 95.0 | 0.05 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305044848 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.92 | 89.92 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305039614 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 80.0 | 89.91 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305013269 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304872107 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.42 | 89.42 | $XXXXXX |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | .0353 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305012712 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.84 | 89.84 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| 304909636 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.96 | 89.96 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304878921 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 88.48 | 88.48 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 304908661 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible | 1 | XX/XX/XXXX |
| 305036644 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.9 | 89.9 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305027203 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 88.18 | 88.18 | $XXXXXX | $XXXXXX | -.0938 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | -.0938 | 90.0 | 0.1 | XXXXXXXX | ClearAVM | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304993692 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 87.47 | 87.47 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304892995 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 84.04 | 84.04 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029279 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | $XXXXXX | .0679 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | .0679 | 94.0 | 0.06 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 304904404 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305026188 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305029208 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | $XXXXXX | .0344 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | .0344 | 93.0 | 0.07 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 304905213 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 84.88 | 84.88 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX |
| 304907149 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.85 | 89.85 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305027397 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 84.99 | 84.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305027396 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304909913 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 82.58 | 82.58 | $XXXXXX | $XXXXXX | -.0447 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | -.0447 | 92.0 | 0.08 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XX/XX/XXXX |
| 305026217 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.88 | 89.88 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX Eligible | 2.3 | XX/XX/XXXX |
| 305028135 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 304909871 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305035594 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 304911417 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 88.01 | 88.01 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305024007 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305027045 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 305013423 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.9 | 89.9 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XX/XX/XXXX |
| 305013335 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305013570 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX Eligible |  |  |
| 305024460 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305030732 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 84.57 | 84.57 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305026216 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 305029754 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.94 | 89.94 | $XXXXXX | $XXXXXX | -.0061 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305027395 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.7 | 89.7 | $XXXXXX | $XXXXXX | -.0385 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | -.0385 | 92.0 | 0.08 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
| 305012756 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031277 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 86.56 | 86.56 | $XXXXXX | $XXXXXX | -.0956 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | -.0956 | 93.0 | 0.07 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305036580 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029576 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.89 | 89.89 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 305029719 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 305030731 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031680 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.9 | 89.9 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| 305029849 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 87.11 | 87.11 | $XXXXXX | $XXXXXX | -.0081 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXX | -.0081 | 93.0 | 0.07 | XXXXXXXX | Other | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 305029785 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031587 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.9 | 89.9 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| 305040523 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX Eligible | 2.2 | XX/XX/XXXX |
| 305031643 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305044846 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| 305042276 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 90.0 | 90.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible | 1.2 | XX/XX/XXXX |
| 305036579 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305023985 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 85.0 | 85.0 | $XXXXXX | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 304903246 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.9 | 89.9 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
| 305024467 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.9 | 89.9 | $XXXXXX | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | 0.0 | .0000 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305024037 | XXXXXXX | XXXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | $XXXXXX | -.0757 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXXX | $XXXXXXX | -.0757 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XX/XX/XXXX |

---

## Exhibit 99.27

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.27**

![](ex9927001.jpg)

**Selene Diligence LLC ("Selene") Due**

**Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by JPMorgan Chase Bank, National Association (the "Client"). The review was conducted between November 13, 2025 and November 28, 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 1 ATR-QM exempt loan for a total of 1 loan (the "Final Securitization Population").

*<u>Credit Reviews (1):</u>*

During the Review, Selene performed a credit review on 1 mortgage loan in the Final Securitization Population.

*<u>Compliance Review (1)</u>*

During the Review, Selene performed a compliance review on 1 mortgage loan in the Final Securitization Population.

*<u>Valuation Reviews (1):</u>*

During the Review, Selene performed a property valuation review on 1 mortgage loan in the Final Securitization Population.

*<u>Data Integrity Review (1):</u>*

During the Review, Selene performed a Data Integrity Review on 1 mortgage loan in the Final Securitization Population.

*JPMMT 2026-LTV1 Executive Summary (Selene Diligence)*

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 1 mortgage loan that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P"), DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Moody's Investors Service, Inc. ("Moody's"), and Kroll Bond Rating Agency, LLC ("Kroll") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

LoanStream One Guide (collectively the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene provided a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

*JPMMT 2026-LTV1 Executive Summary (Selene Diligence)*

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A and B, attached hereto).

**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed whether the characteristics of the
mortgage loans and the borrowers conformed to the Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed asset statements to determine whether
funds to close and reserves were within the Guidelines; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument, with respect to the ATR-QM Exempt Loans.

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

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

**IMAGE OMITTED**

**DATA INTEGRITY REVIEW**<br>

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan
Reviewer collects validated loan data;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each
received data point is compared to its counterpart collected data point; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies
found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 1 mortgage loan, (ii) a Compliance Review on 1 mortgage loan (iii) a Valuation Review on 1 mortgage loan, and (iv) a Data Integrity Review on 1 mortgage loan; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 1 mortgage loan; 1 mortgage loan had a rating grade of A, 0 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Grades per loan (1 overall loan):*** | &nbsp;&nbsp;***Grades per loan (1 overall loan):*** | &nbsp;&nbsp;***Grades per loan (1 overall loan):*** | &nbsp;&nbsp;***Grades per loan (1 overall loan):*** | &nbsp;&nbsp;***Grades per loan (1 overall loan):*** | &nbsp;&nbsp;***Grades per loan (1 overall loan):*** | &nbsp;&nbsp;***Grades per loan (1 overall loan):*** | &nbsp;&nbsp;***Grades per loan (1 overall loan):*** | &nbsp;&nbsp;***Grades per loan (1 overall loan):*** | &nbsp;&nbsp;***Grades per loan (1 overall loan):*** | &nbsp;&nbsp;***Grades per loan (1 overall loan):*** | &nbsp;&nbsp;***Grades per loan (1 overall loan):*** |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

*JPMMT 2026-LTV1 Executive Summary (Selene Diligence)*

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |  |  |
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene 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 all applicable laws 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 Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain

*JPMMT 2026-LTV1 Executive Summary (Selene Diligence)*

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. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. 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 Selene 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 Selene 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. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

*JPMMT 2026-LTV1 Executive Summary (Selene Diligence)*

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene 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, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

*JPMMT 2026-LTV1 Executive Summary (Selene Diligence)*

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is a "Life
of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file meets the
minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the DTI
calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed in the
loan file;

*JPMMT 2026-LTV1 Executive Summary (Selene Diligence)*

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
for any additional consumers associated with the borrowers' profiles and confirm the materiality and material issues have been
addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate, and
consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan file;
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been recorded
or have been sent for recording.

*JPMMT 2026-LTV1 Executive Summary (Selene Diligence)*

**APPENDIX B – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified 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; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

○ The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes of USPAP or Federal or State law.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

*JPMMT 2026-LTV1 Executive Summary (Selene Diligence)*

## Exhibit 99.28

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.28**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 304823585 | XXXX | XXXX | complianceDetailPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.29

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.29**

---

| | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX |  | 304823585 | Closed | 2025-11-16 08:55 | 2025-11-28 07:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of 42.68% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-11/28/2025 <br> Resolved-Resolved. Updated system with docs provided. Audited DTI of 42.68% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-11/28/2025 <br> Ready for Review-Document Uploaded. Hi, please see 1003. Since the 1007 came in lower we are using this amount. - Seller-11/26/2025 <br> Counter-The Final 1003 shows a net loss of -$XXXX with the 1007 indicating market rent of $XXXX and the lease in file with the monthly amount of $XXXX for the subject property. Provide a revised 1003 with the most recent two months rent (Schedule E if applicable) per the GL 8.5.4 to document the net rental income of -$XXXX. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Hi, per our UW - our DTI is correct. Our 1008 is correct. XXXX is our rate and term investment. Which is the XXXX negative rents that you see on the 1008. XXXX is another investment property which is negative XXXX. All the liabilities plus the negative rents is XXXX. Which makes our 1008 correct. <br> Please double check. Look like you are double dipping the investment property twice when this is our subject property. <br> - Seller-11/19/2025 <br> Open-Audited DTI of 49.18% exceeds Guideline DTI of 45% Audited DTI of 49.18% exceed Guideline DTI of 45% due to difference in All Other Monthly Payments and Negative Cash Flow for the Subject property. 1008 - All Other Monthly Payments is $XXXX & Negative Cash Flow for the Subject Property is $XXXX but calculated is $XXXX and $XXXX (Subject net rental + Other REO Net rental + Liabilities on credit report). Provide revised 1008 with detailed liabilities to resolve. - Due Diligence Vendor-11/16/2025 | Ready for Review-Document Uploaded. Hi, please see 1003. Since the 1007 came in lower we are using this amount. - Seller-11/26/2025 <br> Ready for Review-Document Uploaded. Hi, per our UW - our DTI is correct. Our 1008 is correct. XXXX is our rate and term investment. Which is the XXXX negative rents that you see on the 1008. XXXX way is another investment property which is negative XXXX. All the liabilities plus the negative rents is XXXX. Which makes our 1008 correct. <br> Please double check. Look like you are double dipping the investment property twice when this is our subject property. <br> - Seller-11/19/2025 | Resolved-Audited DTI of 42.68% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-11/28/2025 <br>Resolved-Resolved. Updated system with docs provided. Audited DTI of 42.68% is less than or equal to Guideline DTI of 45% - Due Diligence Vendor-11/28/2025<br>| XXXX |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 6265268 | N/A | N/A |
| XXXX | XXXX |  | 304823585 | Closed | 2025-11-16 07:27 | 2025-11-19 02:31 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved<br> - Due Diligence Vendor-11/19/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Open-Qualifying FICO on the 1008 Page is '765' or blank, but the Qualifying FICO from the Credit Liabilities Page is '773' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Provide a revised 1008 using the primary wage earner's decision score per the GL (5.1).<br> - Due Diligence Vendor-11/16/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-Updated 1008 Document uploaded, Qualifying FICO on the 1008 matches the Qualifying FICO from the Credit Liabilities, Verified - Resolved<br> - Due Diligence Vendor-11/19/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-11/19/2025<br>| XXXX |  | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 6265101 | N/A | N/A |

---

## Exhibit 99.30

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.30**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX |  | 304823585 | XXXX C A |

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## Exhibit 99.31

[J.P. Morgan Acceptance Corporation II ABS-15G](jpmmt2026-ltv1_abs15g.htm)

**Exhibit 99.31**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX |  | 304823585 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |

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