# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-26-010630
**Filing Date:** 2026-5
**Character Count:** 785160
**Document Hash:** 732cfc61410b9de3643687fff2ec9b95
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-010630.hdr.sgml**: 20260513

**ACCESSION NUMBER**: 0001999371-26-010630

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

**PUBLIC DOCUMENT COUNT**: 34

**CONFORMED PERIOD OF REPORT**: 20260513

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

**FILED AS OF DATE**: 20260513

**DATE AS OF CHANGE**: 20260513

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 26972880

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

------

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

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

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

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

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

Central Index Key Number of depositor: 0001142786

<u>J.P. Morgan Mortgage Trust 2026-4MPR</u><br> (Exact name of issuing entity as specified in its charter)

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

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

Amie Davis, (212) 623-7441

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

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

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

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

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

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

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

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

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

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

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

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

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

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

[99.14](ex99-13.htm) Inglet Blair Rating Agency Grades

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

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

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

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

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

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

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

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

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

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

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

**SIGNATURES**

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

---

| | | | |
|:---|:---|:---|:---|
|  | J.P. MORGAN ACCEPTANCE CORPORATION II | J.P. MORGAN ACCEPTANCE CORPORATION II | J.P. MORGAN ACCEPTANCE CORPORATION II |
|  |  | (Depositor) | (Depositor) |
| Date: May 13, 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](jpmmt-abs15g.htm)

**Exhibit 99.1**

![](ex991001.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):  

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):  

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

**Item 3: Credit rating criteria** 

---

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

---

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

See attached.

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

See attached.

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**CERTIFICATION**

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

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

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

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

Date: <u>May 12, 2026</u>

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![](ex991001.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 April 2024 to April 2026 via files imaged and provided by JPMorgan Chase Bank, National Association for review (the "**Review**").

The loans in the Review carried origination dates between April 2024 and March 2026.

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

The Review was conducted on one hundred twenty-five (125) loans selected by the Client with an aggregate original principal balance of approximately $161.750 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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![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

---

---

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

---

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

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

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

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

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

**OVERALL REVIEW RESULTS SUMMARY**

There were one hundred twenty-five (125) 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, forty-four (44) (35.20%) loans had an overall loan grade of "B". Eight (8) 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, thirty-four (34) (27.20%) loans had an overall loan grade of "B". Six (6) of the loans with an overall grade of "B" had exceptions across multiple exception types.

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception** <br> **Type** | &nbsp;&nbsp;**Fitch, Kroll,**<br> **and Moody's** <br> **Final** <br> **Exception** <br> **Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;44 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;3 |

---

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![](ex991001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***66*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**66** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***21*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**21** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**87** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**DBRS and <br> S&P Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;31 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***53*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**53** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***21*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**21** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**74** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the one hundred twenty-five (125) loans reviewed, under the applicable Fitch, Kroll, and Moody's NRSRO grading criteria, thirty-four (34) had a Compliance Review "B" grade. Of the one hundred twenty-five (125) loans reviewed, under the applicable DBRS and S&P NRSRO grading criteria, twenty-two (22) had a Compliance Review "B" grade. Thirteen (13) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch, Kroll, and Moody's <br> NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;91 | &nbsp;&nbsp;72.80% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;34 | &nbsp;&nbsp;27.20% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

14 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;103 | &nbsp;&nbsp;82.40% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;17.60% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the one hundred twenty-five (125) loans reviewed, under the applicable NRSRO grading criteria, all loans had a Property Review "A" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;125 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

One hundred seven (107) mortgage loans (85.60%) of the total received an "A" Credit Review grade. The eighteen (18) "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;107 | &nbsp;&nbsp;85.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;14.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the one hundred twenty-five (125) mortgage loans reviewed, fifty-nine (59) (47.20%) mortgage loans had tape discrepancies across nineteen (19) unique data fields. The most common tape discrepancies were Note Date (13.60%), Investor: Qualifying Total Debt Ratio (9.60%), and Refi Purpose (8.00%). 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;Note Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;13.60% |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;12 | &nbsp;&nbsp;9.60% |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;10 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;7.20% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;8 | &nbsp;&nbsp;6.40% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;8 | &nbsp;&nbsp;6.40% |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.80% |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.80% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.80% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;5 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.20% |

---

15 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.40% |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.40% |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.40% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.40% |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.60% |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.80% |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.80% |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;106 | &nbsp;&nbsp;84.80% | &nbsp;&nbsp;$147870559.00 | &nbsp;&nbsp;91.42% |
| &nbsp;&nbsp;Higher Priced QM (APOR) | &nbsp;&nbsp;19 | &nbsp;&nbsp;15.20% | &nbsp;&nbsp;$13879660.00 | &nbsp;&nbsp;8.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$161750219.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;125 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$161750219.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$161750219.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;125 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$161750219.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$161750219.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;68 | &nbsp;&nbsp;54.40% | &nbsp;&nbsp;$94714212.00 | &nbsp;&nbsp;58.56% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;28 | &nbsp;&nbsp;22.40% | &nbsp;&nbsp;$25656565.00 | &nbsp;&nbsp;15.86% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;17 | &nbsp;&nbsp;13.60% | &nbsp;&nbsp;$24927800.00 | &nbsp;&nbsp;15.41% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;11 | &nbsp;&nbsp;8.80% | &nbsp;&nbsp;$14971642.00 | &nbsp;&nbsp;9.26% |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.80% | &nbsp;&nbsp;$1480000.00 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$161750219.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;125 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$161750219.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$161750219.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;62 | &nbsp;&nbsp;49.60% | &nbsp;&nbsp;$82574807.00 | &nbsp;&nbsp;51.05% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;48 | &nbsp;&nbsp;38.40% | &nbsp;&nbsp;$58108353.00 | &nbsp;&nbsp;35.92% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;7 | &nbsp;&nbsp;5.60% | &nbsp;&nbsp;$9539599.00 | &nbsp;&nbsp;5.90% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.40% | &nbsp;&nbsp;$5725000.00 | &nbsp;&nbsp;3.54% |

---

16 \| P a g e

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.60% | &nbsp;&nbsp;$2892000.00 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.80% | &nbsp;&nbsp;$355460.00 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.80% | &nbsp;&nbsp;$1075000.00 | &nbsp;&nbsp;0.66% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.80% | &nbsp;&nbsp;$1480000.00 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$161750219.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;112 | &nbsp;&nbsp;89.60% | &nbsp;&nbsp;$143478269.00 | &nbsp;&nbsp;88.70% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;13 | &nbsp;&nbsp;10.40% | &nbsp;&nbsp;$18271950.00 | &nbsp;&nbsp;11.30% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$161750219.00** | &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<br> Loans** | &nbsp;&nbsp;**Exception <br> Type** |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - QM | &nbsp;&nbsp;31 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Check Restated Loan Designation Match - QM / ATR | &nbsp;&nbsp;13 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Missing Data) Last Rate Set Date | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Closing Disclosure: Dates are not in chronological order. | &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;TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Missing | &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;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &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 (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland Counseling Agencies Disclosure Not in File | &nbsp;&nbsp;1 &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;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;12 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

17 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS and S&P Exceptions** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**Exception <br> Type** |
| &nbsp;&nbsp;Self-Employed Tax Return Recency - QM | &nbsp;&nbsp;31 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | &nbsp;&nbsp;5 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | &nbsp;&nbsp;3 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;(Missing Data) Last Rate Set Date | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | &nbsp;&nbsp;2 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Closing Disclosure: Dates are not in chronological order. | &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;TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Notice of Special Flood Hazard Disclosure Missing | &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;TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | &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 (Circuit 2, 5, 7, 8, 9, 10 or DC) | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland Counseling Agencies Disclosure Not in File | &nbsp;&nbsp;1 &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;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Maryland HPML Threshold Test Non-Compliant | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Compliance |
| &nbsp;&nbsp;Title Policy Coverage is less than Original Loan Amount. | &nbsp;&nbsp;12 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Ineligible property type. | &nbsp;&nbsp;8 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |
| &nbsp;&nbsp;Aged document: Primary Valuation is older than guidelines permit | &nbsp;&nbsp;1 &nbsp;&nbsp;B | &nbsp;&nbsp;Credit |

---

18 \| P a g e

## Exhibit 99.2

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

**Exhibit 99.2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 304302376 | Representative FICO | 797 | 801 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304302376 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304333082 | LTV Valuation Value | xxxx | xxxx | Verified | Field value reflects source document |
| 304333082 | Investor: Qualifying Total Debt Ratio | 13 | 31.69935 | Verified | Matches approval. |
| 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 |
| 304364895 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304364895 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304376597 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304368214 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304368214 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304368214 | Original CLTV | 61.09 | 59.27152 | Verified | Per document |
| 304372065 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304382800 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304379699 | Investor: Qualifying Total Debt Ratio | 32.457 | 38.5257 | Verified | Tape data is incorrect. Loan approved at 38.448% |
| 304332674 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304332674 | Original Loan Amount | xxxx | xxxx | Verified | Tape Value reflects the Modification value |
| 304332674 | Representative FICO | 727 | 736 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304332674 | 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 |
| 304379651 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304379651 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304379651 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304379651 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304398112 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304398112 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304398112 | Refi Purpose |  | Cash-out - Other | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304477226 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304477226 | Investor: Qualifying Total Debt Ratio | 38 | 42.86608 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304632572 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 304637631 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304637631 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304684780 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304684780 | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304684780 | Investor: Qualifying Total Debt Ratio | 39.48 | 44.16481 | Verified | Matches 1008 with 44.47 DTI |
| 304685212 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304683205 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304691525 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 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 |
| 304732874 | Original CLTV | 75 | 89.99002 | 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) |
| 304763304 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304763304 | Investor: Qualifying Total Debt Ratio | 23.95 | 28.98373 | Verified | Excluded bonus income, less than 2 year receipt. |
| 304766791 | Investor: Qualifying Total Debt Ratio | 26.72 | 40.36106 | Verified | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |
| 304763250 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304769768 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304769768 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304769768 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304817837 | Representative FICO | 784 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304817837 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304768918 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 304729308 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304729308 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304729308 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304819253 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 304847762 | Coborrower First Name | xxxx | xxxx | Verified | No Co-Borrower in file |
| 304847762 | Coborrower Last Name | xxxx | xxxx | Verified | No Co-Borrower in file |
| 304820185 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304854946 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 304849253 | Investor: Qualifying Total Debt Ratio | 37.74 | 47.69474 | Verified | DTI difference due to additional student loans added per D#xxxx |
| 304875192 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304874423 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304873953 | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Verified | Borrower did not bring sufficient funds to cover the payoff to xxxx |
| 304888299 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 304888299 | Appraised Value | xxxx | xxxx | Verified | Tape Value reflects Purchase Price |
| 304854996 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304868777 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304867350 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304867350 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304867350 | 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 |
| 304867350 | Original CLTV | 58.33 | 62 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304867350 | Original LTV | 58.33 | 62 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304839630 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304873970 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304873970 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| 304877709 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| 304892907 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304875036 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304875036 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304875036 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304875036 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 304875036 | Original CLTV | 80 | 77.63158 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304875036 | Original LTV | 80 | 77.63158 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304875036 | Investor: Qualifying Total Debt Ratio | 31.3402 | 35.43483 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 304893385 | Note Date | xxxx | xxxx | Verified | The Bid Tape Field Value was not provided. |
| 304893385 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304893385 | Investor: Qualifying Total Debt Ratio | 42.7949 | 49.783 | Verified | Field Value DTI matches 1008 DTI. |
| 304893385 | Decision System | LP / LPA | DU | Verified | Field value reflects source document |
| 304828976 | Original Interest Rate | 6.875 | 6.25 | Verified | Field Value reflects the Note value |
| 304828976 | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304856849 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304856849 | Original Interest Rate | 6.875 | 6.25 | Verified | Field Value reflects the Note value |
| 304856849 | Original CLTV | 80 | 70 | 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) |
| 304856849 | Original LTV | 80 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 304856849 | Investor: Qualifying Total Debt Ratio | 49.15 | 43.53165 | Verified | Mismatch HTI & DTI = 1008 vs AUS - 1008 information is not matching with AUS document, however AUS information is matching with all supporting document's, require updated 1008 with correct details. |
| 304875947 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304875947 | Investor: Qualifying Total Debt Ratio | 49 | 45.48444 | Verified | Field value is lower |
| 304875995 | Investor: Qualifying Total Debt Ratio | 14.8372 | 10.37851 | Verified | Field Value DTI matches 1008 DTI. |
| 304909068 | Note Date | xxxx | xxxx | Verified | Bid Tape Field Value is blank. |
| 304909068 | Refi Purpose |  | Rate/Term | Verified | Bid Tape Field Value is blank. |
| 305043893 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 305043893 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305038740 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305038740 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304859768 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304872036 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305054633 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305064776 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305064776 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305056822 | Original Interest Rate | 8 | 7.999 | Verified | Field Value reflects the Note value |

---

## Exhibit 99.3

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

**Exhibit 99.3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 221463115 | 304333082 | 4240561083 |  | 30789933 |  | 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 | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221463115 | 304333082 | 4240561083 |  | 30789934 |  | 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 | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221463115 | 304333082 | 4240561083 |  | 30789936 |  | 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 was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 06/25/2024 |  |  | 1 C A |  | FL | Second Home | Purchase | TRID timing exception, no remediation available. C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221463115 | 304333082 | 4240561083 |  | 30806385 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xx/xx/xxxx did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | xxxx |  |  |  | xxxx | 06/25/2024 |  |  | 1 C A |  | FL | Second Home | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 221600706 | 304358889 | 1224365111 |  | 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 |
| 221600706 | 304358889 | 1224365111 |  | 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 |
| 221600706 | 304358889 | 1224365111 |  | 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 |
| 221750719 | 304363113 | 1524121844 |  | 31156550 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ | xxxx |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221750719 | 304363113 | 1524121844 |  | 31156954 |  | 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 | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221750719 | 304363113 | 1524121844 |  | 31156956 |  | 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 $380.00 exceeds tolerance of $183.00 plus 10% or $201.30. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/13/2024 |  |  | 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 |
| 221880634 | 304376597 | 1224491771 |  | 31393800 |  | 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 $297.95 exceeds tolerance of $225.00 plus 10% or $247.50. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 08/16/2024 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 221900224 | 304368214 | 1224452750 |  | 31435318 |  | 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 $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 08/21/2024 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 221900228 | 304378909 | 1224454437 |  | 31436670 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 09/13/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221900232 | 304376333 | 1224267025 |  | 31438264 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 09/24/2024 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221937334 | 304380696 | 1224423852 |  | 31514771 |  | 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 |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221937334 | 304380696 | 1224423852 |  | 31514772 |  | 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 |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221937334 | 304380696 | 1224423852 |  | 31514773 |  | 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 |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221937334 | 304380696 | 1224423852 |  | 31514774 |  | 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 |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221937334 | 304380696 | 1224423852 |  | 31514775 |  | 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 |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221937334 | 304380696 | 1224423852 |  | 31514776 |  | 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 |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221937334 | 304380696 | 1224423852 |  | 31514777 |  | 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 |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221937334 | 304380696 | 1224423852 |  | 31514778 |  | 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 |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221937334 | 304380696 | 1224423852 |  | 31514779 |  | 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 |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221937334 | 304380696 | 1224423852 |  | 31514780 |  | 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 |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221937334 | 304380696 | 1224423852 |  | 31579638 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 09/16/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 221937334 | 304380696 | 1224423852 |  | 31579668 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 09/10/2024 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222044200 | 304376599 | 1224118980 |  | 31626819 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,451.05 exceeds tolerance of $-8,606.65. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/17/2024 |  |  | 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 |
| 222044200 | 304376599 | 1224118980 |  | 31626821 |  | 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 $400.00 exceeds tolerance of $200.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 09/17/2024 |  |  | 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 |
| 222044200 | 304376599 | 1224118980 |  | 31665113 |  | 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 |  | 09/17/2024 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222053740 | 304379699 | 1224530268 |  | 31643163 |  | 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 $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/12/2024 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222061509 | 304332674 | 70230 |  | 31658951 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 08/13/2024 |  |  | 1 C A |  | IA | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222061509 | 304332674 | 70230 |  | 31658954 |  | 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 | 08/13/2024 |  |  | 1 C A |  | IA | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222061509 | 304332674 | 70230 |  | 31658957 |  | 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 $414.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/15/2024 |  |  | 1 C A |  | IA | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222061509 | 304332674 | 70230 |  | 31658959 |  | 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 | 08/13/2024 |  |  | 1 B A |  | IA | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222061509 | 304332674 | 70230 |  | 31658960 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | xxxx |  |  |  | xxxx | 08/12/2024 |  |  | 1 B A |  | IA | Second Home | Refinance - Rate/Term | Good faith redisclosure C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222061509 | 304332674 | 70230 |  | 31658961 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | xxxx | 08/13/2024 |  |  | 1 B A |  | IA | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222061509 | 304332674 | 70230 |  | 31658962 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $23,918.70 may be required. | xxxx |  |  |  | xxxx | 08/12/2024 |  |  | 1 C A |  | IA | Second Home | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222061509 | 304332674 | 70230 |  | 31658963 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Primary Residence xxxx is missing the 06/24 payment |  |  |  | xxxx | 08/13/2024 |  |  | 1 C A |  | IA | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222061509 | 304332674 | 70230 |  | 31658964 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 08/23/2024 |  |  | 1 C A |  | IA | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222061509 | 304332674 | 70230 |  | 31658965 |  | 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 | 08/23/2024 |  |  | 1 B A C |  | IA | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 222061509 | 304332674 | 70230 |  | 31658966 |  | 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 61.66307% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 08/23/2024 |  |  | 1 C A |  | IA | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222061509 | 304332674 | 70230 |  | 31658967 |  | 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 | 08/23/2024 |  |  | 1 C A |  | IA | Second Home | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222065618 | 304379651 | 1224555994 |  | 31673883 |  | 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 | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222124244 | 304393090 | 1224600672 |  | 31762560 |  | 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 | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222124244 | 304393090 | 1224600672 |  | 31762561 |  | 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 | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222608132 | 304398112 | 74668 |  | 32422931 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 11/15/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222608132 | 304398112 | 74668 |  | 32422932 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Verbal Verification of Employment within 10 business days of the note date for Co-borrower (xxxx) is missing in file |  |  |  | xxxx | 11/19/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 222608132 | 304398112 | 74668 |  | 32422933 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | YTD 2024 Balance Sheet for business "xxxx" is missing in file. |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223003033 | 304667805 | 6191184128 |  | 33021514 |  | 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 $-24,992.00 exceeds tolerance of $-26,006.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/14/2025 |  |  | 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 A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223236189 | 304684780 | 5250489054 |  | 33278022 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |  |  |  | xxxx |  |  |  | 2 B |  | CA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223236189 | 304684780 | 5250489054 |  | 33278113 |  | 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 | 04/27/2025 |  |  | 1 D A |  | CA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223308403 | 304678383 | 1525081706 |  | 33360077 |  | 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 was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 04/30/2025 |  |  | 1 C A |  | MO | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C B A | Non QM | Higher Priced QM (APOR) | No |
| 223308403 | 304678383 | 1525081706 |  | 33360078 |  | 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 $615.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/28/2025 |  | 1 A |  | MO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Higher Priced QM (APOR) | Yes |
| 223308403 | 304678383 | 1525081706 |  | 34479313 |  | 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 |  | MO | Primary | Refinance - Cash-out - Other | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223335158 | 304685212 | 1225171390 |  | 33402288 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 |  | xxxx |  |  |  | xxxx | 05/13/2025 |  |  | 1 A D |  | FL | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223335158 | 304685212 | 1225171390 |  | 33402297 |  | 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 $865.00 exceeds tolerance of $815.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 05/02/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223373082 | 304687415 | 1001646281 |  | 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 |
| 223430865 | 304683205 | 1225155328 |  | 33496098 |  | 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 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 qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score is above 680. | Good credit and employment history. Ratios under 36% | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 05/22/2025 | 2 B |  | MI | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223430865 | 304683205 | 1225155328 |  | 33496141 |  | 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 $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 06/27/2025 |  | 2 C B |  | MI | 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 |
| 223458074 | 304698261 | 1225155298 |  | 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 |
| 223458074 | 304698261 | 1225155298 |  | 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 |
| 223458082 | 304704945 | 1225196565 |  | 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 |
| 223458082 | 304704945 | 1225196565 |  | 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 |
| 223562049 | 304683363 | 1225088554 |  | 33661735 |  | 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 | Non QM | Higher Priced QM (APOR) | No |
| 223562049 | 304683363 | 1225088554 |  | 33663023 |  | 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 | 06/18/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Higher Priced QM (APOR) | No |
| 223562049 | 304683363 | 1225088554 |  | 33663024 |  | 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 $-1,974.89 exceeds tolerance of $-3,906.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 06/18/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Higher Priced QM (APOR) | Yes |
| 223562049 | 304683363 | 1225088554 |  | 34479334 |  | 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 |  | OH | Primary | Refinance - Cash-out - Other | C B A | Non QM | Higher Priced QM (APOR) | No |
| 223593809 | 304691525 | 84200 |  | 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 |
| 223764968 | 304702493 | 85192 |  | 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 |
| 223764968 | 304702493 | 85192 |  | 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 |
| 223764968 | 304702493 | 85192 |  | 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 |
| 223764984 | 304722299 | 86348 |  | 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 |
| 223764984 | 304722299 | 86348 |  | 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 |
| 223789943 | 304745094 | 8350503440 |  | 34002053 |  | 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 |  | SD | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223789943 | 304745094 | 8350503440 |  | 34002159 |  | 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 |  | SD | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792807 | 304763304 | 8212388167 |  | 34150091 |  | 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 | 08/19/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792807 | 304763304 | 8212388167 |  | 34155913 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 08/22/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223792807 | 304763304 | 8212388167 |  | 34155923 |  | 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 | 08/22/2025 |  |  | 1 B A C |  | TN | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223792807 | 304763304 | 8212388167 |  | 34155924 |  | 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 | 08/22/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223813726 | 304766791 | 6191379439 |  | 34120158 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx |  |  |  | xxxx | 08/07/2025 |  |  | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813726 | 304766791 | 6191379439 |  | 34120170 |  | 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 | 08/08/2025 |  |  | 1 C A |  | CA | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223813726 | 304766791 | 6191379439 |  | 34120171 |  | 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 | 08/08/2025 |  |  | 1 C A |  | CA | 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) | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223855521 | 304763250 | 5250797525 |  | 34128441 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128447 |  | 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 |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128448 |  | 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 |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128449 |  | 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 |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128450 |  | 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 |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128451 |  | 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 |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128452 |  | 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 |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128453 |  | 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 |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128454 |  | 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 |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128455 |  | 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 |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128456 |  | 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 |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128495 |  | 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 $21,000.00 exceeds tolerance of $20,000.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/18/2025 |  |  | 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) | Safe Harbor QM (APOR) | Yes |
| 223855521 | 304763250 | 5250797525 |  | 34128501 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128523 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 08/15/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128525 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 08/11/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34128546 |  | 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 | 08/15/2025 |  |  | 1 C A |  | VA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 223855521 | 304763250 | 5250797525 |  | 34133673 |  | 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 | 08/15/2025 |  |  | 1 B A C |  | VA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 223892120 | 304756795 | 1256598789 |  | 34202853 |  | 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 | 09/30/2025 |  |  | 1 B A C |  | OK | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 223892120 | 304756795 | 1256598789 |  | 34202854 |  | 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. |  |  |  |  | xxxx |  |  |  | 2 B |  | OK | Primary | Refinance - Rate/Term | No obvious cure C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223892120 | 304756795 | 1256598789 |  | 34202855 |  | 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 $4,612.00 exceeds tolerance of $2,425.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 09/09/2025 |  | 2 C B |  | OK | 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 |
| 223892120 | 304756795 | 1256598789 |  | 34598641 |  | 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 |  | OK | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 223988101 | 304768918 | 1225469788 |  | 34373761 |  | 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 $-6,463.05 exceeds tolerance of $-11,610.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/06/2025 |  |  | 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 |
| 224064392 | 304729308 | 87175 |  | 34444969 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | xxxx |  |  |  | xxxx | 08/05/2025 |  |  | 1 B A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224064392 | 304729308 | 87175 |  | 34444971 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | xxxx |  |  |  | xxxx | 08/01/2025 |  |  | 1 B A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224064392 | 304729308 | 87175 |  | 34444975 |  | 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 $688.55 exceeds tolerance of $676.33. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 08/05/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224064392 | 304729308 | 87175 |  | 34444976 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 08/05/2025 |  |  | 1 B A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224065883 | 304827673 | 1525226547 |  | 34472377 |  | 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 | 10/28/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 224065883 | 304827673 | 1525226547 |  | 34892727 |  | 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 |  | GA | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 224065883 | 304827673 | 1525226547 |  | 34892728 |  | 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 |  | GA | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 224096228 | 304826950 | 1525246298 |  | 34491912 |  | 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 worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | 723 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/07/2025 | 2 C B |  | SC | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224096228 | 304826950 | 1525246298 |  | 34491914 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 10/06/2025 |  |  | 1 C A |  | SC | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224096228 | 304826950 | 1525246298 |  | 34491988 |  | 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 |  | SC | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224096228 | 304826950 | 1525246298 |  | 34491989 |  | 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 |  | SC | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224096228 | 304826950 | 1525246298 |  | 34491991 |  | 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 | 11/11/2025 |  |  | 1 C A |  | SC | 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 |
| 224133098 | 304819253 | 1225518014 |  | 34526733 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the 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. | 789 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 10/22/2025 | 2 C B |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224133098 | 304819253 | 1225518014 |  | 34526964 |  | 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 $172.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 09/23/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224140877 | 304818306 | 1525196766 |  | 34540078 |  | 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 $13,485.00 exceeds tolerance of $13,350.00. $135.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/14/2025 |  |  | 1 C A |  | ID | 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 |
| 224140877 | 304818306 | 1525196766 |  | 34540079 |  | 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 Wire / Funding / Disbursement Fee. Fee Amount of $40.00 exceeds tolerance of $0.00. $40.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | ID | 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 |
| 224140877 | 304818306 | 1525196766 |  | 34540128 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx |  |  |  | xxxx | 10/15/2025 |  |  | 1 C A |  | ID | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224140877 | 304818306 | 1525196766 |  | 34540174 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 D A |  | ID | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224211765 | 304827286 | 1225570196 |  | 34638220 |  | 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 $726.00 exceeds tolerance of $646.00 plus 10% or $710.60. $15.40 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/21/2025 |  |  | 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 |
| 224211770 | 304843796 | 1225539379 |  | 34637236 |  | 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 | 10/15/2025 |  |  | 1 C A |  | NC | Primary | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224211770 | 304843796 | 1225539379 |  | 34637238 |  | 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 | 10/15/2025 |  |  | 1 C A |  | NC | Primary | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224211770 | 304843796 | 1225539379 |  | 34637239 |  | 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 $995.00 exceeds tolerance of $760.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/03/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224211770 | 304843796 | 1225539379 |  | 34637240 |  | 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 $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/03/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224252511 | 304839460 | 2506160250 |  | 34731362 |  | 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 | 11/11/2025 |  |  | 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 |
| 224252511 | 304839460 | 2506160250 |  | 34731590 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224252511 | 304839460 | 2506160250 |  | 34731716 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 10/24/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224252511 | 304839460 | 2506160250 |  | 34731750 |  | 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 | 10/21/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224252511 | 304839460 | 2506160250 |  | 34957259 |  | 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 | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224262984 | 304847762 | 1225452346 |  | 34752236 |  | 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 | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224262984 | 304847762 | 1225452346 |  | 34752265 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 01/08/2026 |  |  | 1 C A |  | MI | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224262984 | 304847762 | 1225452346 |  | 34752340 |  | 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 |  | MI | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224262984 | 304847762 | 1225452346 |  | 34752341 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xx/xx/xxxx are underdisclosed | xxxx |  |  |  | xxxx |  | 12/04/2025 |  | 2 C B |  | MI | Second Home | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224262984 | 304847762 | 1225452346 |  | 34764362 |  | 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. | 771 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 12/22/2025 | 2 C B |  | MI | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224263136 | 304820185 | 5250800331 |  | 34754761 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | xxxx |  |  |  |  |  |  |  | 2 B |  | NC | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224263136 | 304820185 | 5250800331 |  | 34754979 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 01/05/2026 |  |  | 1 C A |  | NC | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224263136 | 304820185 | 5250800331 |  | 34776794 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 01/05/2026 |  |  | 1 C A |  | NC | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224263136 | 304820185 | 5250800331 |  | 34776824 |  | 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 | 01/13/2026 |  |  | 1 C A |  | NC | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224263136 | 304820185 | 5250800331 |  | 34776825 |  | 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 | 01/05/2026 |  |  | 1 C A |  | NC | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224263136 | 304820185 | 5250800331 |  | 34776881 |  | 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 | 01/13/2026 |  |  | 1 B A C |  | NC | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224268840 | 304854946 | 1261091744 |  | 34760711 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224268840 | 304854946 | 1261091744 |  | 34772495 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224268840 | 304854946 | 1261091744 |  | 34772496 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224268840 | 304854946 | 1261091744 |  | 34772503 |  | 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 | 10/29/2025 |  |  | 1 A |  | UT | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224268840 | 304854946 | 1261091744 |  | 34772504 |  | 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 69.26609% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224268840 | 304854946 | 1261091744 |  | 34772505 |  | 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 | 10/29/2025 |  |  | 1 A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224268880 | 304849253 | 1225603756 |  | 34761288 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 01/08/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224268880 | 304849253 | 1225603756 |  | 34761290 |  | 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 | 01/08/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224268880 | 304849253 | 1225603756 |  | 34761292 |  | 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 | 01/08/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224268880 | 304849253 | 1225603756 |  | 34763069 |  | 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 54.24420% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx |  |  |  | xxxx | 01/08/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224268889 | 304855017 | 1225477439 |  | 34761638 |  | 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 | 11/12/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224268889 | 304855017 | 1225477439 |  | 34761639 |  | 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 | 11/12/2025 |  |  | 1 B A C |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224268889 | 304855017 | 1225477439 |  | 34763619 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224268889 | 304855017 | 1225477439 |  | 34763620 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224268889 | 304855017 | 1225477439 |  | 34763672 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing the most recent W2, paystub provided was dated more than 90 days prior to closing. | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224268889 | 304855017 | 1225477439 |  | 34763673 |  | 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 62.55621% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224268889 | 304855017 | 1225477439 |  | 34763674 |  | 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 $5,720.00 exceeds tolerance of $5,473.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/20/2025 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224288007 | 304875121 | 1001870556 |  | 34785187 |  | 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 | 10/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Safe Harbor QM (APOR) | No |
| 224288007 | 304875121 | 1001870556 |  | 34785192 |  | 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 $27,011.60 exceeds tolerance of $25,364.00. $1,647.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 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 | Non QM | Safe Harbor QM (APOR) | Yes |
| 224288007 | 304875121 | 1001870556 |  | 34785193 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. $90.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 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 | Non QM | Safe Harbor QM (APOR) | Yes |
| 224288007 | 304875121 | 1001870556 |  | 35246362 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Non QM | Safe Harbor QM (APOR) | No |
| 224298344 | 304866612 | 1525327267 |  | 34804680 |  | 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 |  | WA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224298344 | 304866612 | 1525327267 |  | 34804700 |  | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit |  | 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>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. | Borrower has been self-employed for 14 years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/03/2026 | 2 C B |  | WA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224298344 | 304866612 | 1525327267 |  | 34804710 |  | 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 $970.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 10/27/2025 |  | 1 A |  | WA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224327145 | 304819612 | 1034000329817 |  | 34851242 |  | 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) Fail. | xxxx |  |  |  | xxxx | 01/22/2026 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224327145 | 304819612 | 1034000329817 |  | 34851244 |  | 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 | 01/22/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 224327145 | 304819612 | 1034000329817 |  | 34851247 |  | 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 Extension Fee. Fee Amount of $1,398.52 exceeds tolerance of $0.00. $1,398.52 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/10/2025 |  |  | 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 B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224327145 | 304819612 | 1034000329817 |  | 35607631 |  | 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 |  | TX | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 224327148 | 304872552 | 1034000355047 |  | 34851693 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 10/30/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224365452 | 304874423 | 1525275266 |  | 34914274 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224365452 | 304874423 | 1525275266 |  | 34914314 |  | 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 | 11/11/2025 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224365452 | 304874423 | 1525275266 |  | 34914315 |  | 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 76.51084% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224365452 | 304874423 | 1525275266 |  | 34914316 |  | 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 | 11/11/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224365461 | 304873953 | 1225682220 |  | 34910933 |  | 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 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. | Good credit and employment history. Over 15 months reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/05/2025 | 2 B |  | MO | Primary | Refinance - Cash-out - Debt Consolidation | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224365461 | 304873953 | 1225682220 |  | 34915270 |  | 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 |  | 11/21/2025 |  | 2 C B |  | MO | Primary | Refinance - Cash-out - Debt Consolidation | 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 |
| 224374246 | 304872654 | 1225706604 |  | 34919620 |  | 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 $400.00 exceeds tolerance of $347.00 plus 10% or $381.70. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/06/2025 |  | 1 A |  | OR | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224389184 | 304892069 | 1034000378869 |  | 34931758 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $625.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/07/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224389184 | 304892069 | 1034000378869 |  | 34931796 |  | 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 | 11/20/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224389184 | 304892069 | 1034000378869 |  | 35026864 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 224407050 | 304856890 | 1225484641 |  | 34954310 |  | 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 | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224407050 | 304856890 | 1225484641 |  | 34954384 |  | 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 Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. | 688 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/26/2025 | 2 C B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224407050 | 304856890 | 1225484641 |  | 34954414 |  | 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. |  |  |  |  |  |  | 11/11/2025 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224407056 | 304848993 | 1225652541 |  | 34958731 |  | 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 $-9,151.00 exceeds tolerance of $-11,626.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | KY | 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 |
| 224407056 | 304848993 | 1225652541 |  | 34958733 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 C A |  | KY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224407060 | 304868309 | 1525330296 |  | 34951804 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $86.00 plus 10% or $94.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/11/2025 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224407086 | 304865152 | 1225673958 |  | 34953773 |  | 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 $995.00 exceeds tolerance of $760.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/11/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224421246 | 304892093 | 1225685871 |  | 34976241 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,400.00 exceeds tolerance of $1,200.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 11/13/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224421246 | 304892093 | 1225685871 |  | 34981511 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224421246 | 304892093 | 1225685871 |  | 34981512 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224427124 | 304875199 | 1225723242 |  | 34988472 |  | 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 | 11/19/2025 |  |  | 1 C A |  | FL | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224427124 | 304875199 | 1225723242 |  | 34988473 |  | 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 $-1,848.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 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 |
| 224443754 | 304892912 | W2025101015 |  | 35014595 |  | 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 | 11/26/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 224443754 | 304892912 | W2025101015 |  | 35106913 |  | 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 |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224443964 | 304840946 | 91626 |  | 35008857 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | xxxx |  |  |  | xxxx | 09/29/2025 |  |  | 1 C A |  | AZ | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718801 | 304854996 | 92364 |  | 35264408 |  | 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 | 11/10/2025 |  |  | 1 B A C |  | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 224718801 | 304854996 | 92364 |  | 35264409 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 10/29/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224718801 | 304854996 | 92364 |  | 35264410 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224718801 | 304854996 | 92364 |  | 35264411 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1040 not provided |  | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224718801 | 304854996 | 92364 |  | 35264412 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Per AUS, business returns are required if business is <5 years old. CPA and borrower both state started receiving 1099 income via schedule C in 2023. Missing 2023 1040 tax returns and potentially transcripts. Subject to further review. |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224718801 | 304854996 | 92364 |  | 35264413 |  | 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 | 11/04/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224718801 | 304854996 | 92364 |  | 35264414 |  | 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 |  |  | 11/10/2025 | 2 A B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224718804 | 304868777 | 93050 |  | 35264431 |  | 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 |  |  | 10/28/2025 | 2 B |  | CA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718804 | 304868777 | 93050 |  | 35264435 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 D A |  | CA | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718831 | 304867350 | 93046 |  | 35264516 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 11/03/2025 | 2 B |  | WI | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718831 | 304867350 | 93046 |  | 35264517 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 11/03/2025 | 2 B |  | WI | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718831 | 304867350 | 93046 |  | 35264519 |  | 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 $2,692.00 exceeds tolerance of $1,135.00 plus 10% or $1,248.50. $1,443.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | WI | 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 |
| 224718850 | 304839630 | 91470 |  | 35264607 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718850 | 304839630 | 91470 |  | 35264609 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 11/18/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718850 | 304839630 | 91470 |  | 35264610 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 B A |  | SC | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718850 | 304839630 | 91470 |  | 35264611 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 11/11/2025 | 2 B |  | SC | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718850 | 304839630 | 91470 |  | 35264613 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 11/24/2025 |  |  | 1 C A D |  | SC | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718850 | 304839630 | 91470 |  | 35264614 |  | Credit | Missing Document | General | Missing Document | Missing Document: Condo/PUD Warranty not provided |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | SC | Second Home | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718856 | 304873970 | 93456 |  | 35264644 |  | 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 $1,135.00 exceeds tolerance of $980.00 plus 10% or $1,078.00. $57.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 11/13/2025 |  | 2 C B |  | NY | 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 |
| 224718856 | 304873970 | 93456 |  | 35264646 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718856 | 304873970 | 93456 |  | 35264647 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 A |  | NY | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718863 | 304874863 | 93578 |  | 35264686 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. |  | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the 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 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<br>SitusAMC | xxxx |  |  | 11/12/2025 | 2 C B |  | TX | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718863 | 304874863 | 93578 |  | 35264689 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718863 | 304874863 | 93578 |  | 35264691 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | xxxx |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718863 | 304874863 | 93578 |  | 35264692 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing third party verification for xxxx<br>Compliance related |  |  |  | xxxx | 11/25/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718863 | 304874863 | 93578 |  | 35264693 |  | 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 | 11/25/2025 |  |  | 1 B A C |  | TX | Second Home | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224718863 | 304874863 | 93578 |  | 35264694 |  | 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 | 11/25/2025 |  |  | 1 C A |  | TX | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718866 | 304877455 | 93776 |  | 35264703 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | xxxx |  |  |  | xxxx | 11/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718866 | 304877455 | 93776 |  | 35264704 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 11/13/2025 |  |  | 1 B A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224718866 | 304877455 | 93776 |  | 35264707 |  | 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 | 11/12/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989504 | 304789459 | 89634 |  | 35583659 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1084 or income worksheet is missing in file. |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224989504 | 304789459 | 89634 |  | 35583660 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 12/01/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224989504 | 304789459 | 89634 |  | 35583661 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 12/01/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224989504 | 304789459 | 89634 |  | 35583663 |  | 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 | 12/01/2025 |  |  | 1 B A C |  | OR | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes |
| 224989504 | 304789459 | 89634 |  | 35583664 |  | 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 | 12/01/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224989504 | 304789459 | 89634 |  | 35583667 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | xxxx |  |  |  | xxxx | 09/17/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224989504 | 304789459 | 89634 |  | 35583668 |  | 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 |  | OR | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No |
| 224989511 | 304828976 | 91139 |  | 35583738 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989511 | 304828976 | 91139 |  | 35583739 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989511 | 304828976 | 91139 |  | 35583740 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 11/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989511 | 304828976 | 91139 |  | 35583741 |  | Credit | Missing Document | General | Missing Document | Missing Document: Transcripts not provided |  | xxxx |  |  |  | xxxx | 12/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989511 | 304828976 | 91139 |  | 35583742 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing 2024 1040 transcripts for B1 for schedule E income used<br> Missing 2023 and 2024 W2 or 1040 transcripts for B2 for other income used to qualify.<br>Compliance related |  |  |  | xxxx | 12/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989511 | 304828976 | 91139 |  | 35583743 |  | 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 | 12/08/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224989511 | 304828976 | 91139 |  | 35583744 |  | 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 | 12/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989536 | 304856849 | 92467 |  | 35583932 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989541 | 304875947 | 93686 |  | 35583965 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989541 | 304875947 | 93686 |  | 35583966 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx |  |  |  | xxxx | 12/05/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989541 | 304875947 | 93686 |  | 35583967 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 11/13/2025 | 2 B |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989541 | 304875947 | 93686 |  | 35583969 |  | 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 $24,000.00 exceeds tolerance of $23,720.00. $280.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 11/20/2025 |  | 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 |
| 224989541 | 304875947 | 93686 |  | 35583971 |  | Credit | Missing Document | General | Missing Document | Missing Document: Transcripts - No Results Returned not provided |  | xxxx |  |  |  | xxxx | 11/20/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989577 | 304875995 | 93712 |  | 35584188 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | xxxx |  |  |  | xxxx | 12/29/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989577 | 304875995 | 93712 |  | 35584189 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash Flow Analysis (Asset) not provided |  | xxxx |  |  |  | xxxx | 12/29/2025 |  |  | 1 C A |  | NC | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989577 | 304875995 | 93712 |  | 35584190 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | xxxx |  |  |  | xxxx | 12/03/2025 |  |  | 1 A |  | NC | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989577 | 304875995 | 93712 |  | 35584191 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | After further review the the third party verification used at initial review was from CFO of the entity which borrower owns 100% of. CFO is essentially borrower paid employee. Need CPA or state records to verify business within 10 day of closing. <br>Compliance related |  |  |  | xxxx | 12/29/2025 |  |  | 1 A |  | NC | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989577 | 304875995 | 93712 |  | 35584192 |  | 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 | 12/29/2025 |  |  | 1 A |  | NC | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 224989577 | 304875995 | 93712 |  | 35584193 |  | 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 | 12/29/2025 |  |  | 1 A |  | NC | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989578 | 304909068 | 95303 |  | 35584194 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 12/08/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Rate/Term | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989578 | 304909068 | 95303 |  | 35584196 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | xxxx | 12/02/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 224989578 | 304909068 | 95303 |  | 35584197 |  | Compliance | Compliance | Federal Compliance | Compliance | Subject to Rescission | Loan is subject to Rescission. |  |  |  |  | xxxx | 11/25/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225101104 | 305043893 | 1225343331 |  | 35807290 |  | 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 $292.00 exceeds tolerance of $225.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/12/2026 |  | 1 A |  | IN | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225115811 | 305038740 | 1226009384 |  | 35821321 |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | xxxx |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225115811 | 305038740 | 1226009384 |  | 35821322 |  | 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 $139.00 exceeds tolerance of $135.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 02/16/2026 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225115811 | 305038740 | 1226009384 |  | 35821353 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225153606 | 304859768 | 92071 |  | 35861262 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 01/23/2026 |  |  | 1 C A |  | IA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225153606 | 304859768 | 92071 |  | 35861263 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 01/23/2026 |  |  | 1 C A |  | IA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225153606 | 304859768 | 92071 |  | 35861264 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 01/23/2026 |  |  | 1 C A |  | IA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225153606 | 304859768 | 92071 |  | 35861265 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 01/16/2026 |  |  | 1 C A |  | IA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225153606 | 304859768 | 92071 |  | 35861268 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 12/30/2025 |  |  | 1 C A |  | IA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225153606 | 304859768 | 92071 |  | 35861269 |  | 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 | 12/30/2025 |  |  | 1 B A |  | IA | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225153610 | 304872036 | 93315 |  | 35861296 |  | Property | Valuation | Guideline | Valuation | Property is in a declining market. |  | xxxx |  |  |  | xxxx | 12/11/2025 |  |  | 1 C A |  | ID | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225153610 | 304872036 | 93315 |  | 35861298 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Require WVOE from xxxx to verify two year history of bonus and base income. Credit Related |  |  |  | xxxx | 12/11/2025 |  |  | 1 C A |  | ID | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225153610 | 304872036 | 93315 |  | 35861300 |  | 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 | 12/15/2025 |  |  | 1 C A |  | ID | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225153610 | 304872036 | 93315 |  | 35861302 |  | 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 | 12/11/2025 |  |  | 1 B A C |  | ID | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225153610 | 304872036 | 93315 |  | 35861303 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | xxxx |  |  |  | xxxx | 12/11/2025 |  |  | 1 C A |  | ID | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225153610 | 304872036 | 93315 |  | 35861305 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | xxxx |  |  |  | xxxx | 12/31/2025 |  |  | 1 C A |  | ID | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225190220 | 304889756 | 1225637501 |  | 35934361 |  | 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) | Safe Harbor QM (APOR) | No |
| 225190220 | 304889756 | 1225637501 |  | 35934408 |  | 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 |  | 02/27/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225190220 | 304889756 | 1225637501 |  | 35934409 |  | 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 $9,141.00 exceeds tolerance of $7,920.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/27/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225190220 | 304889756 | 1225637501 |  | 35937733 |  | 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 $-3,341.36 exceeds tolerance of $-5,631.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/17/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225190220 | 304889756 | 1225637501 |  | 35937734 |  | 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. $123.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/03/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225245002 | 305054633 | 1526038364 |  | 36012350 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 03/13/2026 |  |  | 1 C A |  | CO | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225245002 | 305054633 | 1526038364 |  | 36012367 |  | 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 |  | 03/10/2026 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225245002 | 305054633 | 1526038364 |  | 36012368 |  | 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 $126.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/10/2026 |  | 1 A |  | CO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225245002 | 305054633 | 1526038364 |  | 36012400 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |  |  |  |  |  |  |  | 2 B |  | CO | 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 |
| 225245002 | 305054633 | 1526038364 |  | 36012455 |  | 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 | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225245002 | 305054633 | 1526038364 |  | 36016262 |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  |  |  |  |  |  |  | 2 B |  | CO | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225263912 | 305053500 | 1226061869 |  | 36057654 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | xxxx |  |  |  | xxxx | 03/18/2026 |  |  | 1 D A |  | LA | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225263912 | 305053500 | 1226061869 |  | 36057925 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Comparable(s) photos are missing or not legible. |  | xxxx |  |  |  | xxxx | 03/18/2026 |  |  | 1 C A |  | LA | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225266722 | 305062289 | 1526071698 |  | 36071180 |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225266722 | 305062289 | 1526071698 |  | 36071220 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 03/18/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225266722 | 305062289 | 1526071698 |  | 36071222 |  | 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 $650.00 exceeds tolerance of $545.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/16/2026 |  | 1 A |  | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225278706 | 305039623 | 97717 |  | 36067474 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 02/26/2026 |  |  | 1 C A |  | IL | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225286459 | 305028508 | 1525417295 |  | 36078998 |  | 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 $274.00 exceeds tolerance of $221.00 plus 10% or $243.10. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/17/2026 |  | 1 A |  | NV | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225286459 | 305028508 | 1525417295 |  | 36083562 |  | 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 |  | NV | Primary | Refinance - Cash-out - Other | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225325428 | 305064776 | 1226149658 |  | 36098085 |  | 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 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score is above 680. | Good credit, employment history and numerous reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/19/2026 | 2 B |  | FL | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225331082 | 305056822 | 1526069482 |  | 36106020 |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225331082 | 305056822 | 1526069482 |  | 36106021 |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225331082 | 305056822 | 1526069482 |  | 36106022 |  | 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 | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
| 225331082 | 305056822 | 1526069482 |  | 36109207 |  | 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 $133.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/20/2026 |  | 1 A |  | MD | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
| 225384967 | 305064128 | 1526076886 |  | 36167465 |  | 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 | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 225394691 | 305073495 | 1526122645 |  | 36176256 |  | 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 Compliance Audit / Quality Control Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/30/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 225406879 | 305072101 | 1226086486 |  | 36192487 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 04/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## Exhibit 99.4

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

**Exhibit 99.4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Customer Loan ID** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| 304302376 | A | A | A | A | A | A | A | A |  |
| 304302822 | A | A | A | A | A | A | A | A |  |
| 304333082 | A | C | A | C | A | B | A | B |  |
| 304358889 | A | C | A | C | A | A | A | A |  |
| 304363113 | A | C | A | C | A | B | A | B |  |
| 304365664 | A | A | A | A | A | A | A | A |  |
| 304364895 | A | A | A | A | A | A | A | A |  |
| 304376597 | A | A | A | A | A | A | A | A |  |
| 304368214 | A | A | A | A | A | A | A | A |  |
| 304378909 | C | A | A | C | A | A | A | A |  |
| 304376333 | C | A | A | C | A | A | A | A |  |
| 304372065 | A | A | A | A | A | A | A | A |  |
| 304380696 | C | B | A | C | A | B | A | B |  |
| 304379599 | A | A | A | A | A | A | A | A |  |
| 304382800 | A | A | A | A | A | A | A | A |  |
| 304376599 | A | C | A | C | A | A | A | A |  |
| 304379699 | A | A | A | A | A | A | A | A |  |
| 304332674 | C | C | A | C | A | A | A | A |  |
| 304385201 | A | A | A | A | A | A | A | A |  |
| 304379651 | B | A | A | B | B | A | A | B |  |
| 304393090 | A | B | A | B | A | B | A | B |  |
| 304398112 | C | A | A | C | A | A | A | A |  |
| 304477226 | A | A | A | A | A | A | A | A |  |
| 304632572 | A | A | A | A | A | A | A | A |  |
| 304637631 | A | A | A | A | A | A | A | A |  |
| 304667805 | A | C | A | C | A | A | A | A |  |
| 304684780 | A | D | A | D | A | B | A | B |  |
| 304678383 | A | C | A | C | A | A B | A | A B |  |
| 304685212 | A | A | A D | A D | A | A | A | A |  |
| 304687415 | C | A | A | C | A | A | A | A |  |
| 304683205 | B | C | A | C | B | B | A | B |  |
| 304698261 | A | B C | A | B C | A | A | A | A |  |
| 304704945 | B | A | A | B | B | A B | A | B |  |
| 304683363 | B | C | A | C | B | A B | A | B |  |
| 304710711 | A | A | A | A | A | A | A | A |  |
| 304691525 | C | A | A | C | 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 |  |
| 304732874 | A | A | A | A | A | A | A | A |  |
| 304745094 | B | B | A | B | B | B | A | B |  |
| 304763304 | C | C | A | C | A | A | A | A |  |
| 304766791 | A | C | A | C | A | A | A | A |  |
| 304763250 | C | C | A | C | A | B | A | B |  |
| 304756795 | A | C | A | C | A | B | A | B |  |
| 304769768 | A | A | A | A | A | A | A | A |  |
| 304817837 | A | A | A | A | A | A | A | A |  |
| 304768918 | A | C | A | C | A | A | A | A |  |
| 304729308 | A | C | A | C | A | A | A | A |  |
| 304827673 | A | C | A | C | A | B | A | B |  |
| 304826950 | C | C | A | C | B | B | A | B |  |
| 304819253 | C | A | A | C | B | A | A | B |  |
| 304818306 | C | C | D | D | A | A | A | A |  |
| 304827286 | A | C | A | C | A | A | A | A |  |
| 304843796 | A | C | A | C | A | A | A | A |  |
| 304839460 | C | C | A | C | A | A B | A | A B |  |
| 304847762 | C | C | A | C | B | B | A | B |  |
| 304820185 | C | C | A | C | A | B | A | B |  |
| 304854946 | C | A | A | C | A | A | A | A |  |
| 304849253 | C | C | A | C | A | A | A | A |  |
| 304855017 | C | C | A | C | A | A | A | A |  |
| 304875121 | A | C | A | C | A | A B | A | A B |  |
| 304866612 | C | A | A | C | B | A | A | B |  |
| 304819612 | A | C | A | C | A | A B | A | A B |  |
| 304872552 | C | A | A | C | A | A | A | A |  |
| 304875192 | A | A | A | A | A | A | A | A |  |
| 304861525 | A | A | A | A | A | A | A | A |  |
| 304874423 | C | C | A | C | A | A | A | A |  |
| 304873953 | B | C | A | C | B | B | A | B |  |
| 304872654 | A | A | A | A | A | A | A | A |  |
| 304892069 | A | B C | A | B C | A | A B | A | A B |  |
| 304856535 | A | A | A | A | A | A | A | A |  |
| 304874840 | A | A | A | A | A | A | A | A |  |
| 304888299 | A | A | A | A | A | A | A | A |  |
| 304856890 | C | A | A | C | B | A | A | B |  |
| 304848993 | C | C | A | C | A | A | A | A |  |
| 304868309 | A | A | A | A | A | A | A | A |  |
| 304875631 | A | A | A | A | A | A | A | A |  |
| 304865152 | A | A | A | A | A | A | A | A |  |
| 304892093 | C | A | A | C | A | A | A | A |  |
| 304879075 | A | A | A | A | A | A | A | A |  |
| 304875199 | A | C | A | C | A | A | A | A |  |
| 304892091 | A | A | A | A | A | A | A | A |  |
| 304892912 | A | B C | A | B C | A | A B | A | A B |  |
| 304894657 | A | A | A | A | A | A | A | A |  |
| 304893773 | A | A | A | A | A | A | A | A |  |
| 304840946 | C | A | A | C | A | A | A | A |  |
| 304854996 | C | C | A | C | A | A B | A | A B |  |
| 304868777 | A | B | D | D | A | B | A | B |  |
| 304867350 | A | C | A | C | A | B | A | B |  |
| 304839630 | C D | B | A | C D | A | B | A | B |  |
| 304873970 | C | C | A | C | A | B | A | B |  |
| 304874863 | C | C | A | C | B | A | A | B |  |
| 304877455 | C | C | A | C | A | A | A | A |  |
| 304877709 | A | A | A | A | A | A | A | A |  |
| 304892907 | A | A | A | A | A | A | A | A |  |
| 304875036 | A | A | A | A | A | A | A | A |  |
| 304893385 | A | A | A | A | A | A | A | A |  |
| 304789459 | C | C | A | C | A | A B | A | A B |  |
| 304828976 | C | C | A | C | A | A | A | A |  |
| 304856849 | C | A | A | C | A | A | A | A |  |
| 304875947 | C | C | A | C | A | B | A | B |  |
| 304875995 | C | A | A | C | A | A | A | A |  |
| 304909068 | A | B | D | D | A | A | A | A |  |
| 305043893 | A | A | A | A | A | A | A | A |  |
| 305038740 | A | C | A | C | A | B | A | B |  |
| 304859768 | C | B | A | C | A | A | A | A |  |
| 304872036 | C | C | C | C | A | A | A | A |  |
| 304889756 | B | C | A | C | B | A | A | B |  |
| 305053723 | A | A | A | A | A | A | A | A |  |
| 305054633 | B | C | A | C | B | B | A | B |  |
| 305057588 | A | A | A | A | A | A | A | A |  |
| 305062292 | A | A | A | A | A | A | A | A |  |
| 305053500 | C | A | D | D | A | A | A | A |  |
| 305062289 | B | C | A | C | B | A | A | B |  |
| 305039623 | C | A | A | C | A | A | A | A |  |
| 305028508 | B | A | A | B | B | A | A | B |  |
| 305056986 | A | A | A | A | A | A | A | A |  |
| 305064776 | B | A | A | B | B | A | A | B |  |
| 305056822 | A | B | A | B | A | B | A | B |  |
| 305064130 | A | A | A | A | A | A | A | A |  |
| 305064128 | B | A | A | B | B | A | A | B |  |
| 305070062 | A | A | A | A | A | A | A | A |  |
| 305073495 | A | A | A | A | A | A | A | A |  |
| 305072101 | A | C | A | C | A | A | A | A |  |
| 305056823 | A | A | A | A | A | A | A | A |  |

---

## Exhibit 99.5

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

**Exhibit 99.5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 304302376 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 304302822 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304333082 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.830% |  |  | Appraisal |  |  |  |  |  | -0.090% |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.090% |  |  |  |  |  |  |  |  | N/A |  |  |
| 304358889 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.870% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -6.870% |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304363113 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304365664 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.320% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.320% |  |  |  |  |  |  |  |  | No |  |  |
| 304364895 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304376597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304368214 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304378909 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304376333 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304372065 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |  |
| 304380696 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.550% |  |  | AVM |  | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 |
| 304379599 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.990% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -1.990% |  |  |  |  |  |  |  |  | No | 4.50 | 4.70 |
| 304382800 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304376599 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 304379699 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304332674 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304385201 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 4.20 |
| 304379651 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 |
| 304393090 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304398112 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 12.500% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304477226 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.120% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.70 |
| 304632572 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.160% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -0.160% |  |  |  |  |  |  |  |  | No | 3.50 | 3.40 |
| 304637631 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 304667805 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304684780 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
| 304678383 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 304685212 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -9.260% |  | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304687415 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.60 |
| 304683205 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304698261 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.490% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304704945 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 304683363 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304710711 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.640% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| 304691525 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
| 304702493 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.610% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| 304722299 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304732874 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.30 |
| 304745094 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 5.00 |
| 304763304 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304766791 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 304763250 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.10 |
| 304756795 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 304769768 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 |
| 304817837 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.00 |
| 304768918 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304729308 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304827673 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 304826950 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.300% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.50 |
| 304819253 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.410% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 |
| 304818306 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 37.390% |  |  | AVM |  | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304827286 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304843796 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304839460 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 304847762 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.90 |
| 304820185 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.320% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 5.00 |
| 304854946 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 |
| 304849253 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 |
| 304855017 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304875121 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| 304866612 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.620% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304819612 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| 304872552 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304875192 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304861525 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 304874423 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 304873953 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 304872654 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 304892069 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304856535 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.80 |
| 304874840 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.490% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 304888299 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304856890 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 3.60 |
| 304848993 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 |
| 304868309 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304875631 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 304865152 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 304892093 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.900% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.50 |
| 304879075 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.90 |
| 304875199 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.50 |
| 304892091 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304892912 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 |
| 304894657 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 304893773 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.450% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840946 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304854996 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |  |
| 304868777 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867350 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.170% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 304839630 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.920% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| 304873970 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304874863 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 304877455 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304877709 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304892907 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 304875036 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 304893385 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304789459 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 304828976 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304856849 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.820% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304875947 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 304875995 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| 304909068 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
| 305043893 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 305038740 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.500% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304859768 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 304872036 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 304889756 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305053723 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 305054633 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305057588 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.40 |
| 305062292 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 305053500 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305062289 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.80 |
| 305039623 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 305028508 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.90 |
| 305056986 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 305064776 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.580% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305056822 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305064130 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 |
| 305064128 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305070062 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305073495 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.110% |  |  | AVM |  | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305072101 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| 305056823 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |

---

## Exhibit 99.6

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

**Exhibit 99.6**

![](ex996001.jpg)

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association through a bulk purchase. The review included a total of sixty-nine residential mortgage loans, in connection with the securitization identified as JPMMT 2026-4MPR (the "Securitization"). The Review was conducted between November 2025 and March 2026 on mortgage loans originated between October 2025 and January 2026.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of income and asset verifications

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation
provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including
any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

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

c. Review borrower's occupancy

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

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

f. Confirm that Final 1003 is sufficiently completed

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

h. Confirm Loan Approval conditions were met

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

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

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

a. Pricing for First Lien Loans:

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

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

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

b. Pricing for Subordinate Lien Loans:

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

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

c. Pricing for Manufactured Homes:

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

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:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

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

---

| | |
|:---|:---|
| 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 (69 loans in total):

Twelve (12) loans had a Secondary Appraisal, twenty-eight (28) loans had a Desktop Review, and two (2) 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 sixty-nine (69) mortgage loans reviewed, twenty-three (23) unique mortgage loans (33.33% by loan count) had a total of thirty-one (31) tape discrepancies across eleven (11) 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;Qualifying CLTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;16.13% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;16.13% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;4 | &nbsp;&nbsp;12.90% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;4 | &nbsp;&nbsp;12.90% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;9.68% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;9.68% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;6.45% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;6.45% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**31** | &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 | 54 | $75762403.00 | 78.26% |
| Event Grade B | 15 | $25792668.00 | 21.74% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 69 | $101555071.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 69 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 69 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 54 | 78.26% |
| Event Grade B | 15 | 21.74% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 69 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Property Results:** | **Property Results:** | **Property Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 69 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 69 | 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 Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;43 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 XXX Transcripts Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Business Tax Returns Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 XXX Transcripts Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Second Home Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Photo Identification not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Income) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;SCIF Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Mortgage | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Mortgage Insurance Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HO-6 Insurance Policy is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**84** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;37 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Right of Rescission is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing QM/ATR Checklist | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease 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;Qualified Mortgage APR Threshold Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**64** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;10 |
| &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;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Qualified Mortgage Safe Harbor Threshold | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than XXX% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**15** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;64 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within XXX% Tolerance | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Condo Approval Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**70** |

---

**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](jpmmt-abs15g.htm)

**Exhibit 99.7**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 304896187 | XXXXX |  | Borrower 1 First Name | XXX | XXX | Verified B first name using the note |
| 304898064 | XXXXX |  | Borrower 1 FTHB | XXX | XXX |  |
| 305026231 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Borrowers is a FTHB, per application and rent free letter |
| 304897403 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower one and two own XXX% of business per K-1s |
| 304875630 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Per documentation provided |
| 304908555 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Borrower is self-employed per tax returns, true data is accurate |
| 304908664 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX |  |
| 304860242 | XXXXX |  | Borrower 2 Citizen | XXX | XXX | Updated B2 XXX per PRA card |
| 304897100 | XXXXX |  | Borrower 2 Self-Employment Flag | XXX | XXX | B2 is both a wage earner and has XXX% ownership in XXX. |
| 304893392 | XXXXX |  | Interest Rate | XXX | XXX | Confirmed the XXX of XXX% as per the Note |
| 305027110 | XXXXX |  | Interest Rate | XXX | XXX | confirmed rate per note XX/XX/XXXX |
| 305034589 | XXXXX |  | Interest Rate | XXX | XXX | The Note reflects an XXX of XXX%. |
| 304820279 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | XXX confirmed using Note. |
| 304893722 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | Confirmed the Note reflects a XXX of XXX |
| 305027110 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | XXX per note XXX |
| 305042981 | XXXXX |  | Loan Amount | $XXXXXX | $XXXXXX | XXX is correct as per final note, XXX and AUS. |
| 305023801 | XXXXX |  | Property Type | XXX | XXX | Subject is a PUD per appraisal. |
| 304904284 | XXXXX |  | Property Type | XXX | XXX | XXX is a PUD, per appraisal |
| 304874862 | XXXXX |  | Qualifying CLTV | XXX | XXX | tape data is rounding |
| 304820279 | XXXXX |  | Qualifying CLTV | XXX | XXX | CLTV confirmed using XXX |
| 304897415 | XXXXX |  | Qualifying CLTV | XXX | XXX | Verified by the appraisal and note |
| 304908664 | XXXXX |  | Qualifying CLTV | XXX | XXX | Property value updated per appraisal |
| 304908683 | XXXXX |  | Qualifying CLTV | XXX | XXX | CLTV is 64.05%. XXX / XXX = XXX% |
| 304896696 | XXXXX |  | Qualifying FICO | XXX | XXX | Fico XXX low middle score confirmed from Cr Report. Per Guidelines, credit score applicable is the lowest of all representative credit scores. |
| 304860872 | XXXXX |  | Qualifying FICO | XXX | XXX | FICO score of XXX is borrower's mid score. |
| 304874915 | XXXXX |  | Qualifying FICO | XXX | XXX | Per credit report |
| 304874862 | XXXXX |  | Qualifying LTV | XXX | XXX | tape data is rounding |
| 304820279 | XXXXX |  | Qualifying LTV | XXX | XXX | LTV confirmed using XXX |
| 304897415 | XXXXX |  | Qualifying LTV | XXX | XXX | Verified by the appraisal and note |
| 304908664 | XXXXX |  | Qualifying LTV | XXX | XXX | Property value updated per appraisal |
| 304908683 | XXXXX |  | Qualifying LTV | XXX | XXX | LTV is 64.05%. XXX / XXX = XXX% |

---

## Exhibit 99.8

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

**Exhibit 99.8**

<br> ---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 304887753 | FCRE1180 | 12/09/2025 | Credit | Missing Doc | HO-6 Insurance Policy is Missing | HO-6 Insurance Policy is Missing Condo master policy in the loan file, however missing borrower HO-6 policy. | Please see attached rebuttal. Master covers "walls in" | Documentation is sufficient. Walls in coverage included. Exception resolved.; HO-6 Insurance Policy is fully present | 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 | 12/09/2025 | D A |
| XXX | XXXXX | 304887753 | FCRE1316 | 12/09/2025 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing | Please see attached VVOE. | Documentation is sufficient. VOE provided. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/09/2025 | D A |
| XXX | XXXXX | 304887753 | FCRE7497 | 12/09/2025 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of hazard insurance and HOA if application for other REO property located at XXX , XXX | Please see attached PITIA docs. | Documentation is sufficient. Tax cert 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 | 12/09/2025 | D A |
| XXX | XXXXX | 304887753 | FCOM9186 | 12/08/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Missing eSigned consent disclosure. Provide eConsent dated on or before XX/XX/XXXX. | Please see attached proof of econsent. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/08/2025 | B A |
| XXX | XXXXX | 304887753 | FPRO8998 | 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 | 304891124 | FCRE8999 | 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 | 304891124 | FPRO8998 | 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 | 304897403 | FCOM9186 | 12/07/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX | Please see attached econsent proof | Evidence of eConsent is provided. | 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 | 12/07/2025 | B A |
| XXX | XXXXX | 304897403 | FCRE8999 | 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% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304897403 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304894334 | FCRE8999 | 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 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 | 304894334 | FPRO8998 | 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 | 304894334 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304875630 | FCRE1322 | 12/02/2025 | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing most recent Business Returns for XXX per most recent VOE and paystub provided borrower is a Co-Founder of the company. | XX/XX/XXXX XXX: Co-founder does not mean borrower has ownership interest in the business. Borrower's tax returns show no business income from this business and it is not reported on their Schedule E, indicating they have no ownership. The borrower can't provide tax returns for a business they are not the owner of. | Documentation is sufficient. Explanation provided is acceptable. Exception resolved.; Borrower 1 Business Tax Returns Provided | 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 | D A |
| XXX | XXXXX | 304875630 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304875630 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304873948 | FCRE1186 | 12/03/2025 | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Audit recalculated self-employment income for B1. The income has decreased from XXX to $XXX. Audit did not include vehicle milage because it was not filed on the tax returns on schedule C, Part IV. Audit did not include Non-recurring other income/loss (Vehicle Payments) because these were not filed on the tax returns on line XXX Due to DTI increase above XXX% Resubmission to the AUS is Required. | XX/XX/XXXX XXX: XXX: XXX: $XXX=(XXX\*XXX) =$XXX \| \| Excluding XXX#XXX & XXX as paid by XXX. Hitting for liability not accounted for under line XXX \| \| The miles are reporting on form XXX for both years. | Documentation is sufficient. Explanation is adequate. Exception resolved.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 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 73.14% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.14% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | C A |
| XXX | XXXXX | 304873948 | FCRE1185 | 12/03/2025 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided. Missing AUS resubmission to support recalculated self-employment income for B1 in the amount of XXX and total verified Assets supporting XXX or at minimum XXX in Reserves (XXX months PITIA subject + XXX% UPB for other financed properties) and DTI not to exceed XXX%. If the assets resubmitted to the AUS differ from the accounts used to support XXX the new Asset Accounts must be provided for review with the AUS Resubmission. | XX/XX/XXXX XXX: XXX: XXX: $XXX=(XXX\*XXX) =$XXX \| \| Excluding XXX#XXX & XXX as paid by XXX. Hitting for liability not accounted for under line XXX \| \| The miles are reporting on form XXX for both years. | Documentation is sufficient. Explanation is adequate. Exception resolved.; AUS is not incomplete | 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 73.14% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.14% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/03/2025 | D A |
| XXX | XXXXX | 304873948 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.14% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.14% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304873948 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 73.14% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.14% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304855016 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304855016 | FCRE8999 | 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 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 | 304855016 | FPRO8998 | 11/26/2025 | 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 | 11/26/2025 | A |
| XXX | XXXXX | 304904411 | FCOM8997 | 11/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304904411 | FCRE8999 | 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 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 | 304904411 | FPRO8998 | 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 | 304893382 | finding-3635 | 01/17/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than XXX% Test | TILA XXX: XXX: XXX:(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). | lox pccd cure check and label ; XX/XX/XXXX COC ; uploaded lox rebuttal and titles prelim cd | Cure package provided within XXX days of discovery; exception downgraded to a 2/B; The receipt of a prelim CD per title is not considered a valid reason for the recording fees to increase. Cure required; Rebuttal reviewed however, the COC in the file dated XX/XX/XXXX did not mention the recording fee increase therefore it is subject to a cure of $XXX. The Prelim CD provided cannot be used to calculate tolerance. Exception remains. | 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 | 304893382 | FCRE8999 | 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 | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304893382 | FPRO8998 | 11/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 11/26/2025 | A |
| XXX | XXXXX | 304872040 | FCOM1227 | 12/18/2025 | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing PUD Rider is Missing | title confirmation | Documentation is sufficient. LOE States not a PUD. Exception resolved.; The PUD Rider is Present or is Not Applicable (XXX is 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 | 12/18/2025 | D A |
| XXX | XXXXX | 304872040 | FPRO8998 | 12/16/2025 | 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 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 | 12/16/2025 | A |
| XXX | XXXXX | 304872040 | FCOM8997 | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304874838 | FCRE8999 | 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 | 304874838 | FPRO8998 | 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 | 304874838 | FCOM8997 | 12/02/2025 | 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 | 12/02/2025 | A |
| XXX | XXXXX | 304873952 | FCRE1185 | 12/04/2025 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided The liabilities increased from XXX to XXX Prior credit report not provided. Resubmission required due to DTI increase > XXX% Unable to locate Statement, updated credit report or evidence of account paid off to prove that the liabilities are XXX Lender to provide proof of liabilities are XXX or provide resubmission to the AUS to support DTI above XXX% and monthly liabilities of XXX | XX/XX/XXXX XXX: Please see attached copy of credit report | Documentation is sufficient. Updated calculations omitting the Authorized user account. Exception rescinded.; AUS is not incomplete |  | Rescinded |  | A |
| XXX | XXXXX | 304873952 | FCOM8997 | 12/02/2025 | 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 | 12/02/2025 | A |
| XXX | XXXXX | 304873952 | FPRO8998 | 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 | 304868790 | finding-3634 | 12/09/2025 | 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 increase of the appraisal fee from XXX to XXX without a valid COC in file | Document Uploaded. Updated COC.; Document Uploaded. COC uploaded | Valid COC provided; Exception resolved; Valid COC provided; Exception resolved; The COC indicates the change date of XX/XX/XXXX but the increase was disclosed on XX/XX/XXXX | 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 | 12/09/2025 | C A |
| XXX | XXXXX | 304868790 | FCOM1887 | 12/08/2025 | Compliance | Missing Doc | Missing QM/ATR Checklist | Missing completed Compliance Report to determine the loan is XXX. Compliance report pg. XXX is incomplete and has everything pending | Document Uploaded. Compliance Report uploaded | XXX provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/08/2025 | D A |
| XXX | XXXXX | 304868790 | FCRE8999 | 12/01/2025 | 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% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304868790 | FPRO8998 | 12/01/2025 | 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% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304896187 | FCOM5135 | 12/03/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required XXX: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates.. | Please cancel, we do not test for ABA unless the doc is in the file and does meet timing. If you cannot cancel, please acknowledge as non-material. | Investor Acknowledges exception | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No B |
| XXX | XXXXX | 304896187 | FCRE8999 | 12/01/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304896187 | FPRO8998 | 12/01/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.67% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.67% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304896696 | FCRE1204 | 12/10/2025 | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Missing updated Fraud Report with cleared alerts for Potential undisclosed REO, SAM ov alert, Exclusionary list alert for Hazard insurance agent and mailing address reported by the tax assessor not being the subject property | Document Uploaded. ; Document Uploaded. Document Uploaded. 1003, XXX Tax Cert | All Fraud Report Alerts have been cleared or None Exist; XXX 1003, tax cert, email. confirmed ownership of lot in XXX. added to 1003 and 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. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/10/2025 | C A |
| XXX | XXXXX | 304896696 | FCOM8997 | 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. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304896696 | FPRO8998 | 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. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/01/2025 | A |
| XXX | XXXXX | 304874371 | FCOM8997 | 12/02/2025 | 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 | 12/02/2025 | A |
| XXX | XXXXX | 304874371 | FCRE8999 | 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 | 304874371 | FPRO8998 | 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 | 304893409 | FCRE1185 | 03/09/2026 | Credit | Missing Doc | AUS Partially Provided | AUS must be Ineligible only due to XXX. AUS provided shows additional Risk for Funds to close. | Document Uploaded. Investor Exception; Document Uploaded. DU uploaded. | AUS is not incomplete; ; Received Early Check results and meets cited Condition. | 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 | 03/09/2026 | D A |
| XXX | XXXXX | 304893409 | finding-4033 | 12/09/2025 | 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 XXX percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX 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. 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 XXX 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. |  | Lender acknowledges exception; HPML Compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B A |
| XXX | XXXXX | 304893409 | FCOM3849 | 12/08/2025 | 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. | Evidence of appraisal delivery provided. | 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 | B A |
| XXX | XXXXX | 304893409 | FCRE8999 | 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 | 304893409 | FPRO8998 | 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 | 304896742 | FCOM3849 | 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)). Documentation required to clear exception, evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date XX/XX/XXXX. | XXX XX/XX/XXXX Please see the attached TRID Disclosure History and Appraisal Package that shows the borrower was sent the Appraisal Package on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the XXX business day cool off before the closing date of XX/XX/XXXX | Evidence of appraisal delivery provided. | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| 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 | 12/07/2025 | B A |
| XXX | XXXXX | 304896742 | FCRE8999 | 12/03/2025 | 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. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| 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 | 304896742 | FPRO8998 | 12/03/2025 | 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. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| 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 | 304904999 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only |  | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304904999 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only |  | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304904999 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only |  | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304860872 | FCRE1335 | 12/18/2025 | Credit | Missing Doc | Borrower 1 XXX Transcripts Missing | Borrower 1 XXX Transcripts Missing Missing borrower's XXX tax transcripts for income used for qualification. | Document Uploaded. XXX Transcripts | Borrower 1 XXX Transcripts 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 | 12/18/2025 | D A |
| XXX | XXXXX | 304860872 | FCRE1365 | 12/16/2025 | Credit | Missing Doc | Borrower 2 XXX Transcripts Missing | Borrower 2 XXX Transcripts Missing Missing co-borrower's XXX tax transcripts for income used for qualification. | Document Uploaded. XXX Transcripts | Borrower 2 XXX Transcripts Provided or Not Applicable (Number of Borrowers equals 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 | 12/16/2025 | D A |
| XXX | XXXXX | 304860872 | FCRE1201 | 12/16/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing third party fraud report. File only contains copy of the Drive report. |  | ; Third Party Fraud Report is provided |  | Rescinded |  | A |
| XXX | XXXXX | 304860872 | finding-3532 | 12/11/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation XXX: XXX:(12 XXX:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX 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 XXX business days (counting all calendar days except XXX and specified legal XXX) 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 XXX business days (counting all calendar days except XXX and specified legal XXX) 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 XXX business days before consummation. | Document Uploaded. Esigned initial CD and electronic tracking uploaded | Initial CD receipt date provided; exception resolved; Initial CD receipt date 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 | 12/11/2025 | C A |
| XXX | XXXXX | 304860872 | FPRO8998 | 12/04/2025 | 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 | 12/04/2025 | A |
| XXX | XXXXX | 304858379 | FCRE1201 | 12/09/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report DRIVE report in file is not allowed per XXX Guidelines v13 XX/XX/XXXX. Please provide a fraud report from an acceptable 3rd party vendor. |  | ; Third Party Fraud Report is provided |  | Rescinded |  | A |
| XXX | XXXXX | 304858379 | FPRO8998 | 12/04/2025 | 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 | 12/04/2025 | A |
| XXX | XXXXX | 304858379 | FCOM8997 | 12/04/2025 | 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 | 12/04/2025 | A |
| XXX | XXXXX | 304874862 | FCOM9186 | 12/16/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX (borrowers auth on page XXX) | XXX XX/XX/XXXX Please see attached | Evidence of eConsent is 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.04% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.04% is less than Guideline LTV of 89.99% | Resolved | 12/16/2025 | B A |
| XXX | XXXXX | 304874862 | FCRE8999 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.04% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.04% is less than Guideline LTV of 89.99% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304874862 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.04% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.04% is less than Guideline LTV of 89.99% | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304909724 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only |  | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304909724 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only |  | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304909724 | FCRE8999 | 12/05/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only |  | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304892945 | finding-3634 | 12/17/2025 | 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 increase from XXX to XXX for the loan discount fee on LE XX/XX/XXXX. The COC don't align with the dates the changes were made on the disclosures with the exception of COC dated XX/XX/XXXX. However, the COC wasn't accepted because we need further clarification what "due to UW condition dated XX/XX/XXXX) means. | Document Uploaded. Uploaded seller response on clarification for COC | Valid COC provided; Exception resolved; Valid COC 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 | 12/17/2025 | C A |
| XXX | XXXXX | 304892945 | FCRE8999 | 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 | 304892945 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304905133 | FCOM8997 | 12/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.23% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.23% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304905133 | FCRE8999 | 12/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.23% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.23% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304905133 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 72.23% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 72.23% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304896369 | FCOM8997 | 12/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304896369 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304896369 | FCRE8999 | 12/08/2025 | 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 \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304820279 | FCRE9995 | 12/22/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | Document Uploaded. ; uw lox; Document Uploaded. bank Statement XX/XX/XXXX XXX #XXX | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX.; Client provided explanation that Reserves are provided per DU. DU in file States Reserves Required to be Verified XXX Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.39% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.39% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | C A |
| XXX | XXXXX | 304820279 | FCRE1198 | 12/22/2025 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) | Document Uploaded. bank Statement and UW LOX | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.39% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.39% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/22/2025 | C A |
| XXX | XXXXX | 304820279 | FCOM8997 | 12/05/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.39% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.39% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304820279 | FPRO8998 | 12/05/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 54.39% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 54.39% is less than Guideline LTV of 70% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 304896895 | finding-3634 | 12/13/2025 | 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 XXX and from XXX to XXX for the XXX. Both the XXX and theXXX were added to the LE dated XX/XX/XXXX. The file did contain a COC dated XX/XX/XXXX on page XXX; however, the explanation of the "appraised value was different" is not a valid reason to add these additional fees. | Document XXX: "The file was floating at initials and then locked with XXX. The lock is the reason for the changes." | Valid COC provided; exception resolved; Valid 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 | 12/13/2025 | C A |
| XXX | XXXXX | 304896895 | FPRO9990 | 12/12/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Provide Third Party Document. | Document Uploaded. CDA | Third party valuation product provided within tolerance. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | C A |
| XXX | XXXXX | 304896895 | FCOM1262 | 12/12/2025 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing Provide the executed Right to Cancel for all vested borrowers | Document Uploaded. NRTC uploaded | Right of Rescission is Provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/12/2025 | D A |
| XXX | XXXXX | 304896895 | FCRE8999 | 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 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 | 304908555 | FCRE0386 | 01/05/2026 | Credit | Missing Doc - Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. | Please see attached ID. | Photo Identification provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/05/2026 | D A |
| XXX | XXXXX | 304908555 | finding-3652 | 01/05/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the 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 Lender Credit tolerance violation in the amount of XXX is due to a decrease in lender credit from XXX on Initial CD dated XX/XX/XXXX to XXX on Final CD dated XX/XX/XXXX. A COC or other evidence is required to determine if this was a valid change. | Please see attached PCCD and proof of cure. | Cure package provided to the borrower; exception downgraded to a 2/B | Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXXXX | 304908555 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304897415 | FCRE1186 | 01/12/2026 | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% DTI is over the limit of XXX% due to the second mortgage payment | XX/XX/XXXX XXX: XXX: UWM recognizes that the borrower's DTI had been underStated. However, there is additional bonus income via XXX that was not being considered for qualification. Please see the attached WVOE and income worksheet supporting XXX in monthly bonus income. When included, the borrower's DTI is recalculated at XXX% and the file is eligible. | Documentation provided is sufficient. Exception resolved. ; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX%; WVOE shows no income. Please provide a WVOE showing the bonus income used. Exception remains. | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.04% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.86% is less than Guideline CLTV of 89.99% | Resolved | 01/12/2026 | C A |
| XXX | XXXXX | 304897415 | finding-3532 | 12/11/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | This XXX:(12 XXX:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal XXX) 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 XXX business days (counting all calendar days except XXX and specified legal XXX) 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 XXX business days (counting all calendar days except XXX and specified legal XXX) 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 XXX business days before consummation. The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed XX/XX/XXXX. 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. | Initial CD provided; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.04% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.86% is less than Guideline CLTV of 89.99% | Resolved | 12/11/2025 | C A |
| XXX | XXXXX | 304897415 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 58.04% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 71.86% is less than Guideline CLTV of 89.99% | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304897100 | FCOM8997 | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | 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 | 12/09/2025 | A |
| XXX | XXXXX | 304897100 | FPRO8998 | 12/09/2025 | 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% \| 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 | 304897100 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | 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 | 12/09/2025 | A |
| XXX | XXXXX | 304907240 | FPRO9990 | 12/12/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. UCDP not provided in file and no additional third-party valuation included. | XX/XX/XXXX XXX: XXX appraisals were provided | Documentation is sufficient. 2nd appraisal provided. Exception resolved.; Third party valuation product provided within tolerance. | 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 | C A |
| XXX | XXXXX | 304907240 | FCOM8997 | 12/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | 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 | 12/09/2025 | A |
| XXX | XXXXX | 304907240 | FCRE8999 | 12/09/2025 | 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 | 12/09/2025 | A |
| XXX | XXXXX | 304898064 | FCOM8997 | 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 | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304898064 | FPRO8998 | 12/09/2025 | 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 | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304898064 | FCRE8999 | 12/09/2025 | 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 | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304875629 | finding-3532 | 12/11/2025 | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Documentation XXX: XXX:(12 XXX:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except XXX and specified legal XXX) 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 XXX business days (counting all calendar days except XXX and specified legal XXX) 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 XXX business days (counting all calendar days except XXX and specified legal XXX) 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 XXX business days before consummation. | LI 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 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.86% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.86% is less than Guideline CLTV of 89.99% | Resolved | 12/11/2025 | C A |
| XXX | XXXXX | 304875629 | finding-3652 | 12/11/2025 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the 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 Lender credit violation in the amount of XXX is due to decrease from XXX to XXX for the Lender's Credit without sufficient timing. | LI XX/XX/XXXX On XX/XX/XXXX there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of XXX% or $-XXX. Please see attached lock confirmation and Closing Disclosure. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.86% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.86% is less than Guideline CLTV of 89.99% | Resolved | 12/11/2025 | C A |
| XXX | XXXXX | 304875629 | finding-3634 | 12/11/2025 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This XXX: Cure of XXX required for addition of Final Inspection fee. Cure requires PCCD, LOE, copy of refund check, and proof of mailing. The loan file contained a COC for Final Inspection with no supporting LE or CD. Please remit for testing. | LI XX/XX/XXXX The appraisal came in on XXX on the property was subject to repairs. On XX/XX/XXXX a Change of Circumstance was submitted for the final inspection changing the fee from XXX to $XXX. On XX/XX/XXXX a closing disclosure went out to the borrower to re-disclose the final inspection fee. Please see attached. | Initial CD provided; Exception resolved; Initial CD provided; Exception resolved | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.86% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.86% is less than Guideline CLTV of 89.99% | Resolved | 12/11/2025 | C A |
| XXX | XXXXX | 304875629 | FCRE8999 | 12/09/2025 | Credit | Data | No Credit Findings | No credit findings The loan meets all applicable credit guidelines. |  | Informational | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of 77.86% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.86% is less than Guideline CLTV of 89.99% | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304875629 | FPRO8998 | 12/09/2025 | 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% \| 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 77.86% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.86% is less than Guideline CLTV of 89.99% | Resolved | 12/09/2025 | A |
| XXX | XXXXX | 304860242 | FCRE8999 | 12/10/2025 | 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 | 12/10/2025 | A |
| XXX | XXXXX | 304860242 | FPRO8998 | 12/10/2025 | 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. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/10/2025 | A |
| XXX | XXXXX | 304860242 | FCOM8997 | 12/10/2025 | 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 | 12/10/2025 | A |
| XXX | XXXXX | 304908664 | FCOM8997 | 12/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.1% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.1% is less than Guideline LTV of 89.99% | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304908664 | FCRE8999 | 12/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.1% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.1% is less than Guideline LTV of 89.99% | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304908664 | FPRO8998 | 12/11/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.1% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.1% is less than Guideline LTV of 89.99% | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304874930 | FCOM5135 | 12/08/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Disclosure, XXX has affiliates. Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XX/XX/XXXX. |  | Investor Acknowledges | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXXXX | 304874930 | FPRO8998 | 12/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304874930 | FCRE8999 | 12/08/2025 | 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 \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/08/2025 | A |
| XXX | XXXXX | 304904605 | FCRE6737 | 12/18/2025 | Credit | Missing Doc | Missing Letter of Explanation (Income) | Per Lender Guidelines, for self-employed borrowers, a signed borrower letter dated within XXX days from the Note date addressing if the borrower anticipates any changes to their income or employment in the next several XXX is required. | Hello, please see response from team. | Documentation is sufficient. Loan was UW by AUS. No LOE required. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.84% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.84% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/18/2025 | D A |
| XXX | XXXXX | 304904605 | FCOM8997 | 12/12/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.84% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.84% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304904605 | FPRO8998 | 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 \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.84% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.84% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/12/2025 | A |
| XXX | XXXXX | 304908722 | finding-4033 | 12/19/2025 | 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 XXX 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 | LL 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 FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | A |
| XXX | XXXXX | 304908722 | finding-4038 | 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 XXX is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX; orThe XXX is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe XXX is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total XXX of $XXX. Fees included are XXX discount and XXX Underwriting. APOR vs par rate is more than XXX% apart so no discount points could be excluded. | TF XX/XX/XXXX This is a cash out XXX product and is not subject to QM. | Loan redesignated by Seller as NonQM. Condition cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/15/2025 | C A |
| XXX | XXXXX | 304908722 | finding-4040 | 12/15/2025 | Compliance | ComplianceEase | Qualified Mortgage APR Threshold Test | This XXX:The note amount for a first lien is greater than or equal to ($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 XXX%; orThe note amount for a second lien is greater than or equal to ($XXX), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) is less than the APOR on the date the rate was set plus XXX%; orThe note amount on a first lien a non-manufactured home or a second lien is less than ($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%. Fees included are XXX discount and XXX Underwriting. APOR vs par rate is more than XXX% apart so no discount points could be excluded. | TF 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 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 | 304908722 | finding-3526 | 12/13/2025 | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | This XXX: XXX:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than XXX 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 revised loan estimate delivery date is less than XXX 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 revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than XXX 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 revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version XXX business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by showing the consumer received the disclosure XXX business days prior to consummation. | TF XX/XX/XXXX Please see the attached TRID Disclosure History and initial Loan Estimate that shows the borrower was sent the initial Loan Estimate on XX/XX/XXXX and consented to it on XX/XX/XXXX. | Revised LE receipt date provided; Exception resolved; Revised LE receipt date provided; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/13/2025 | C A |
| XXX | XXXXX | 304908722 | finding-3352 | 12/13/2025 | 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. HPML compliant |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/13/2025 | A |
| XXX | XXXXX | 304908722 | FPRO8998 | 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 | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304908722 | FCRE8999 | 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 | Resolved | 12/11/2025 | A |
| XXX | XXXXX | 304904594 | FCOM8997 | 12/11/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.99% is less than Guideline LTV of 89.99% \| 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 | 12/11/2025 | A |
| XXX | XXXXX | 304904594 | FPRO8998 | 12/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.99% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 74.99% is less than Guideline LTV of 89.99% \| 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 | 12/11/2025 | A |
| XXX | XXXXX | 304874864 | FCOM8997 | 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 \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304874864 | FCRE8999 | 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 \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304874864 | FPRO8998 | 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 \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 305012733 | FCRE7497 | 01/14/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation to support the amounts lender used for REO properties. REO (XXX) lender used XXX documents in file support XXX REO (XXX) lender used XXX documents in file support XXX REO (XXX) lender used XXX documents in file support -$XXX. | Document Uploaded. lender cert | ; Client provided Lender Certification with REO calculations. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | D A |
| XXX | XXXXX | 305012733 | FPRO9990 | 12/22/2025 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | Document Uploaded. CDA | Third party valuation product provided within tolerance.; CDA provided | 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 | 305012733 | FCOM8997 | 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 \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304895527 | FPRO8998 | 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 | 304895527 | FCRE8999 | 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 | 304895527 | FCOM5135 | 12/11/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide ABD or confirm the lender does not have affiliates or no referral was made to an affiliate |  | Investor acknowledges condition. | 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 | 304893392 | FCRE1482 | 12/26/2025 | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Asset 4 Does Not Meet Guideline Requirements AUS requires XXX bank Statements to support assets, XXX # XXX only provided XXX month at time of review. |  | Asset 4 Meets Guideline Requirements Or Not Applicable | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | C A |
| XXX | XXXXX | 304893392 | FCRE1479 | 12/26/2025 | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. AUS requires XXX bank Statements to support assets were not provided at the time of review. | Duplicate condition. Per email and update from XXX, only acct XXX is missing an additional Statement. | Asset Record XXX Meets G/L Requirements | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | C A |
| XXX | XXXXX | 304893392 | FPRO8998 | 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 | 304893392 | FCOM8997 | 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 | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304893722 | FCRE7497 | 01/07/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The application reflects property located at XXX,XXX was refinanced into XXX #XXX and paid off XXX #XXX. The application reflects a mortgage payment of XXX including taxes and insurance. The Addendum to Closing Instructions reflected a condition to provide the Final CD, Note and Deed of Trust for concurrent close XXX The loan file did not contain these items for proof the old mortgage was paid off and new loan information. | Document Uploaded. Note, CD, DOT | Client provided Closing disclosure, CD reflects payoff, Note and Deed of Trust for XXX. Cleared. | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| 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 | 01/07/2026 | D A |
| XXX | XXXXX | 304893722 | FPRO8998 | 12/26/2025 | 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 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| 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 | 12/26/2025 | A |
| XXX | XXXXX | 304893722 | FCOM8997 | 12/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| 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 | 12/26/2025 | A |
| XXX | XXXXX | 304904287 | FPRO8998 | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304904287 | FCOM8997 | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304904287 | FCRE8999 | 12/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304905159 | FCRE8999 | 12/16/2025 | 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 | 12/16/2025 | A |
| XXX | XXXXX | 304905159 | FPRO8998 | 12/16/2025 | 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 | 12/16/2025 | A |
| XXX | XXXXX | 304905159 | FCOM8997 | 12/16/2025 | 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 | 12/16/2025 | A |
| XXX | XXXXX | 304908601 | FCRE1148 | 12/24/2025 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Document Uploaded. TITLE | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; XXX Provided | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.39% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.39% is less than Guideline CLTV of 89.99% | Resolved | 12/24/2025 | B A |
| XXX | XXXXX | 304908601 | FCOM8997 | 12/17/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.39% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.39% is less than Guideline CLTV of 89.99% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304908601 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.39% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.39% is less than Guideline CLTV of 89.99% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304909759 | FCRE8999 | 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 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 | 304909759 | FPRO8998 | 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 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 | 304909759 | FCOM5135 | 12/17/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required XXX: Please provide missing Affiliated Business Disclosure. |  | Exception acknowledged by investor. | 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 | 304905002 | FCRE8999 | 12/17/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304905002 | FPRO8998 | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 304905002 | FCOM5135 | 12/17/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing |  | Condition acknowledged by investor. | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% | Acknowledged |  | No B |
| XXX | XXXXX | 304874927 | FCOM8997 | 12/22/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 304874927 | FCRE8999 | 12/22/2025 | 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 | 12/22/2025 | A |
| XXX | XXXXX | 304874927 | FPRO8998 | 12/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 305026231 | FCOM3849 | 03/10/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Showing evidence that the borrower received the appraisal XXX business days prior to consummation, XX/XX/XXXX, may cure the violation. | Document Uploaded. Please see uploaded Lender response/Attestation - if insufficient to clear, please acknowledge this exception as Non-Material | 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 | 305026231 | FCRE1184 | 12/30/2025 | Credit | Missing Doc | AUS Not Provided | Missing AUS DU/LPA approval required on XXX, per guidelines. | Document Uploaded. AUS | AUS is not missing | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/30/2025 | D A |
| XXX | XXXXX | 305026231 | FPRO8998 | 12/22/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/22/2025 | A |
| XXX | XXXXX | 304874915 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 304874915 | FCRE8999 | 01/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 304874915 | FCOM3849 | 12/31/2025 | 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 | Please acknowledge as non material exception; Document Uploaded. Appraisal delivery. | Acknowledged per client; The document provided 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 if they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXXXX | 304908683 | FPRO8998 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.05% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.05% is less than Guideline CLTV of 80% | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 304908683 | FCRE8999 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.05% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.05% is less than Guideline CLTV of 80% | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 304908683 | FCOM8997 | 12/24/2025 | 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 \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.05% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.05% is less than Guideline CLTV of 80% | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 304909880 | FCOM9186 | 01/05/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | Document Uploaded. For all XXX files, please see the "Loan Application Printout" provided in their files. (Doc is re-uploaded here) The Econsent is accepted as part of the form the borrower completes prior to submitting the loan application form online - the agreement is the last page (s) of the document and the date that it was accepted by them is on page XXX | Evidence of eConsent is provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 01/05/2026 | B A |
| XXX | XXXXX | 304909880 | FPRO8998 | 12/30/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 12/30/2025 | A |
| XXX | XXXXX | 304909880 | FCRE8999 | 12/30/2025 | 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. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 12/30/2025 | A |
| XXX | XXXXX | 305027116 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.33% is less than Guideline LTV of 80% \| 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 63.33% is less than Guideline CLTV of 80% | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305027116 | FCRE8999 | 01/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.33% is less than Guideline LTV of 80% \| 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 63.33% is less than Guideline CLTV of 80% | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305027116 | FCOM5135 | 12/29/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XX/XX/XXXX. |  | Investor acknowledges | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.33% is less than Guideline LTV of 80% \| 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 CLTV is Below the Guideline Maximum - Calculated CLTV of 63.33% is less than Guideline CLTV of 80% | Acknowledged |  | No B |
| XXX | XXXXX | 304889764 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 304889764 | FCRE1184 | 01/08/2026 | Credit | Missing Doc | AUS Not Provided | Missing XXX loans require an AUS approval which was not in the file. Per XXX loan was approved by DU. The DU must not be ineligible for any reason other than the XXX. Additional conditions may exist pending review of the DU approval. | Document Uploaded. AUS | AUS is not missing; Client provided DU dated XX/XX/XXXX Approve/Ineligible. | 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 | 01/08/2026 | D A |
| XXX | XXXXX | 304889764 | FCOM5135 | 12/31/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required XXX: Please provide missing Affiliated Business Disclosure. |  | Investor Acknowledges exception | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 305031253 | FCOM1225 | 01/13/2026 | Credit | Missing Doc | Second Home Rider is Missing | Second Home Rider is MISSING MORTGAGE and Rider are missing. | Please see uploaded 2nd home rider | The Second Home Rider is Present or Not Applicable (Occupancy is Second Home); Executed DOT and rider provided | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.82% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.82% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | D A |
| XXX | XXXXX | 305031253 | FCOM1220 | 01/13/2026 | Credit | Closing | The Deed of Trust is Missing | The Deed of Trust is Missing The Mortgage is missing. | Document Uploaded. Deed of trust uploaded | The Deed of Trust is Present; Executed DOT provided | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.82% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.82% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | D A |
| XXX | XXXXX | 305031253 | FCOM8997 | 01/05/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.82% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.82% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | A |
| XXX | XXXXX | 305031253 | FPRO8998 | 01/05/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original LTV is Below the Guideline Maximum - Calculated LTV of 48.82% is less than Guideline LTV of 65% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 48.82% is less than Guideline CLTV of 65% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | A |
| XXX | XXXXX | 305023801 | FCOM5135 | 03/09/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Showing evidence that the borrower received the disclosure within XXX business days of application, XX/XX/XXXX, may cure the violation. |  | 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% | Acknowledged |  | No B |
| XXX | XXXXX | 305023801 | FCRE1335 | 03/05/2026 | Credit | Missing Doc | Borrower 1 XXX Transcripts Missing | Borrower 1 XXX Transcripts Missing XXX yrs transcripts are required for all employment, only XXX was provided. Please provided XXX transcripts | Document Uploaded. Seller response that only XXX income was used to qualify | Borrower 1 XXX Transcripts Provided; Client States - only XXX tax returns were used to qualify borrower. Per Guidelines transcripts are required only for years being used for qualification. XXX not used. 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% | Resolved | 03/05/2026 | D A |
| XXX | XXXXX | 305023801 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305029742 | FCOM5135 | 03/09/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice, American Financial has affiliates. Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XX/XX/XXXX. |  | Investor acknowledges exception | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Acknowledged |  | No B |
| XXX | XXXXX | 305029742 | FPRO8998 | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305029742 | FCRE8999 | 01/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 304909795 | FCOM8997 | 01/13/2026 | 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 | 01/13/2026 | A |
| XXX | XXXXX | 304909795 | FPRO8998 | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 304909795 | FCRE8999 | 01/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305026167 | FCRE5116 | 01/23/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Borrowers are currently renting the subject. Guidelines require rental history to be documented with a copy of the lease agreement, or a Verification of Rent (VOR). Neither document is in the file. | Document Uploaded. vor XXX | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Client re-loaded XXX and provided Statement from the Property Manager at XXX . The Statement reflects the borrower is not being evicted, is not in collections and a XXX balance. Last payment received XX/XX/XXXX/XXX. It also States the move in date XX/XX/XXXX and Move Out date of XX/XX/XXXX/XXX. Previous to this the Borrower owned the property. LM Updated. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2026 | D A |
| XXX | XXXXX | 305026167 | FCRE5393 | 01/16/2026 | Credit | Insurance | Mortgage Insurance Defect | Mortgage Insurance not allowed. Provide updated documents removing Mortgage Insurance | Document Uploaded. updated closing docs | Client provided Updated Closing Disclosure, First Payment letter and Initial Escrow Disclosure reflecting Mortgage Insurance was removed. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/16/2026 | C A |
| XXX | XXXXX | 305026167 | FCOM8997 | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Investor acknowledges exception; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305026167 | FPRO8998 | 01/13/2026 | 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; Investor acknowledges exception; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305033643 | FPRO9990 | 01/15/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. File only contains XXX appraisal and LCA score XXX is greater than XXX. | Document Uploaded. Please see attached. Thank you; Provide additional XXX due to XXX greater than XXX Two XXX full appraisals are required for XXXs >$XXX. LTV/CLTV will be based on the lower of the two values. All inconsistencies between the two appraisals must be addressed and reconciled. | Client provided Reconsideration of Value / 2nd Appraisal. LM Updated.; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance.; Provide additional XXX due to XXX greater than XXX Two XXX full appraisals are required for XXXs >$XXX. LTV/CLTV will be based on the lower of the two values. All inconsistencies between the two appraisals must be addressed and reconciled. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/15/2026 | C A |
| XXX | XXXXX | 305033643 | FCRE1185 | 01/15/2026 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided Provide updated AUS with only risk eligibility of XXX. Subordinate financing must be completed and resubmitted per AUS. | Document Uploaded. Attached updated AUS. | AUS is not incomplete; Client provided updated DU dated XX/XX/XXXX. Updated LM. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/15/2026 | D A |
| XXX | XXXXX | 305033643 | FCRE1241 | 01/15/2026 | Credit | Missing Doc | Purchase Contract is Missing | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Document Uploaded. Please see attached the Purchase Contract | Purchase Contract Doc is not Missing, or is Not Applicable.; Client provided Purchase Contract and Addendums. Updated LM.; ; Purchase Contract Doc is not Missing, or is Not Applicable. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/15/2026 | D A |
| XXX | XXXXX | 305033643 | finding-3634 | 01/14/2026 | 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 Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee. The appraisal fee initially increased to XXX on LE XX/XX/XXXX and was then reduced to XXX on CD XX/XX/XXXX. Providing a valid reason for the change within XXX business days of when the change occurred may cure the violation. | Document Uploaded. COCs uploaded | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | C A |
| XXX | XXXXX | 305033643 | FCRE8999 | 01/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 304904284 | FCRE1335 | 01/23/2026 | Credit | Missing Doc | Borrower 1 XXX Transcripts Missing | Borrower 1 XXX Transcripts Missing XXX Years Tax transcripts are required to be obtained from the XXX only for income for years being used for qualification per lender guidelines | Document Uploaded. Transcripts; Document Uploaded. ; Document Uploaded. Tax transcripts | Client provided XXX Transcripts for the Borrower for the years XXX and XXX LM Updated.; Borrower 1 XXX Transcripts Provided; Client provided email stating the XXX Transcripts have been ordered and received. However, Document XXX Transcripts did not load. Unable to view document. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/23/2026 | D A |
| XXX | XXXXX | 304904284 | FPRO8998 | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 304904284 | FCOM8997 | 01/13/2026 | 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 | 01/13/2026 | A |
| XXX | XXXXX | 305027110 | FCRE1764 | 01/19/2026 | Credit | Missing Doc | Missing Verification of Mortgage | MISSING MORTGAGE Statement from XXX with PITI breakdown for REO XXX , XXX | Document Uploaded. XXX DOCS | Client provided XXX reflecting property taxes for XXX - XXX LOE property is not part of HOA, Mortgage Statement reflecting escrowed and Credit Report dated XX/XX/XXXX reflecting Verification of Mortgage XX/XX/XXXX Next due XX/XX/XXXX/XXX. LM Updated. Cleared. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/19/2026 | D A |
| XXX | XXXXX | 305027110 | FCOM1621 | 01/14/2026 | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial XXX: Please provide evidence that the borrowers received the disclosure may cure the violation. | Document Uploaded. Signed and dated Initial Escrow Account Disclosure | Initial Escrow Account Disclosure is Resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | B A |
| XXX | XXXXX | 305027110 | FPRO8998 | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305032520 | FPRO0951 | 01/23/2026 | Property | Missing Doc | Condo Approval Missing | Condo Approval Missing. Missing documentation from the lender/seller confirming the Condo Project is warrantable (XXX Project approval required for the subject property). Please provide CPM or PERS approval. Alternatively, the Seller can provide an attestation on letter head signed by the underwriter stating that the property meets FNMA warrantability | Document Uploaded. FNMA Warrantable | Condo Approval is provided.; Client provided Full/Limited/Streamline Review Checklist reflecting the subject as Full Project Review / FNMA Warrantable / New Construction / No Special Assessment / Deferred Maintenance / Critical Repairs noted. Reviewed XX/XX/XXXX by XXX. LM Updated. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.11% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.11% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/23/2026 | B A |
| XXX | XXXXX | 305032520 | FCOM5135 | 01/20/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required- Affiliated Business Disclosure. The Privacy Notice indicates that the Lender does have Affiliates. |  | Investor acknowledges exception | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.11% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.11% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXXXX | 305032520 | FPRO8998 | 01/20/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.11% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.11% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2026 | A |
| XXX | XXXXX | 305032520 | FCRE8999 | 01/20/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.11% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.11% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/20/2026 | A |
| XXX | XXXXX | 305034589 | FCRE1479 | 02/04/2026 | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements. The DU findings reflect depository assets to be documented with a verification of deposit or bank Statement covering a XXX - month period.XXX. A XXX Company Statement reflected activity from XX/XX/XXXX to XX/XX/XXXX and was missing coverage for XXX full month. | Document Uploaded. Updated AUS | Asset Record XXX Meets G/L Requirements; Client provided evidence BOA account monthly Statement was provided. LM Updated. | 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 | 02/04/2026 | C A |
| XXX | XXXXX | 305034589 | FCRE1204 | 02/04/2026 | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts The Fraud Report reflects XXX uncleared high alerts for the borrower's income and recommends to validate income directly with 3rd party sources such as XXX Transcripts, written VOE directly from employer and/or validating employer income deposits on bank Statements. There is also an uncleared high alert for a possible match found on OFAC for Appraiser that was not cleared. | Document Uploaded. Fraud report with cleared alerts | All Fraud Report Alerts have been cleared or None Exist; Client provided updated Third Party Fraud Report reflecting HIGH alerts were cleared. LM Updated. | 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 | 02/04/2026 | C A |
| XXX | XXXXX | 305034589 | FCRE1185 | 02/04/2026 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided The DU AUS provided, reflects assets with XXX in the amount of $XXX; however, the Statement provided, dated XX/XX/XXXX reflects ending balance of $XXX. The AUS was not ran with the correct amount of assets in the XXX account. | Document Uploaded. Updated AUS | AUS is not incomplete; Client updated DU dated XX/XX/XXXX reflecting Assets from XXX account with a balance of $XXX. LM Updated. | 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 | 02/04/2026 | D A |
| XXX | XXXXX | 305034589 | FPRO1136 | 02/04/2026 | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis The appraisal, dated XX/XX/XXXX, reflected being appraised subject to completion per plans and specifications. The loan file was missing the final inspection. | Document Uploaded. Completion cert | Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Client provided Fannie Mae Form 1004D dated XX/XX/XXXX. LM Updated. | 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 | 02/04/2026 | C A |
| XXX | XXXXX | 305034589 | FCRE1148 | 02/04/2026 | Credit | Title | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The Commitment for Title Insurance reflects proposed amount of insurance of XXX The Note reflects a XXX of XXX The Title does not reflect enough coverage. | Document Uploaded. Updated title with corrected insurance amount | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Client provided Commitment for Title Insurance reflecting Proposed Amount of Insurance XXX LM Updated. | 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 | 02/04/2026 | B A |
| XXX | XXXXX | 305034589 | finding-3634 | 02/03/2026 | Compliance | TRID Tolerance | 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 Appraisal Re-inspection Fee added to Final CD dated XX/XX/XXXX with no valid COC. 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). | Document Uploaded. COC provided | Valid COC provided; exception resolved; Valid COC 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 | 02/03/2026 | C A |
| XXX | XXXXX | 305034589 | FCOM9186 | 01/25/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Please resolve. The e consent is actually in the loan package which has a consent date of XX/XX/XXXX page XXX-XXX. | Evidence of eConsent is provided. | 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 | 01/25/2026 | B A |
| XXX | XXXXX | 305033578 | FCOM3849 | 02/02/2026 | Compliance | Disclosure | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Providing evidence showing the borrowers received the appraisal at least XXX business days prior to consummation, XX/XX/XXXX, may cure the violation. | Document Uploaded. Evidence of appraisal delivery uploaded | Evidence of appraisal delivery provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/02/2026 | B A |
| XXX | XXXXX | 305033578 | FCOM1621 | 02/02/2026 | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Documentation Required- Initial Escrow Disclosure | Document Uploaded. IEADS uploaded | Initial Escrow Account Disclosure is Resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/02/2026 | B A |
| XXX | XXXXX | 305033578 | FCOM1232 | 01/29/2026 | Credit | Missing Doc | The Final 1003 is Missing | The Final 1003 is Missing The file is missing both borrower's Final 1003 along with the DU submitted XX/XX/XXXX. Additional conditions may apply based on documentation provided. | Document Uploaded. Final 1003 and DU attached. | The Final 1003 is Present; Client provided Final 1003 for both borrowers and DU dated XX/XX/XXXX. LM Updated.; The Final 1003 is Missing The file is missing both borrower's Final 1003 along with the DU submitted XX/XX/XXXX. Additional conditions may apply based on documentation provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/29/2026 | D A |
| XXX | XXXXX | 305033578 | FCRE3860 | 01/29/2026 | Credit | Missing Doc | SCIF Document Missing | This XXX: XXX: (XX/XX/XXXX) which is after XXX or this is an FHA loan with an application date after XXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. | Document Uploaded. attached scif | This Supplemental Consumer Information Form is Present.; Client provided SCIF. LM Updated. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/29/2026 | D A |
| XXX | XXXXX | 305033578 | FPRO8998 | 01/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/26/2026 | A |
| XXX | XXXXX | 305042981 | FCOM8997 | 01/26/2026 | 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 | 01/26/2026 | A |
| XXX | XXXXX | 305042981 | FPRO8998 | 01/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | A |
| XXX | XXXXX | 305042981 | FCRE8999 | 01/26/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/26/2026 | A |

---

## Exhibit 99.9

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

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **Customer Loan ID** | **Seller Loan ID** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304887753 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304891124 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) |
| 304897403 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304894334 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304875630 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304873948 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304855016 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304904411 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893382 | XXXXX C B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304872040 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304874838 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304873952 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304868790 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304896187 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304896696 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304874371 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893409 | XXXXX D B A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 304896742 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304904999 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304860872 | XXXXX D A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304858379 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304874862 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304909724 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304892945 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304905133 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304896369 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304820279 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304896895 | XXXXX D A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304908555 | XXXXX D B A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304897415 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304897100 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304907240 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304898064 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304875629 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304860242 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304908664 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304874930 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304904605 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304908722 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Higher Priced APOR (APOR HP) |
| 304904594 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304874864 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305012733 | XXXXX D A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304895527 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893392 | XXXXX C A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304893722 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304904287 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304905159 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304908601 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304909759 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304905002 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304874927 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305026231 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304874915 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304908683 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304909880 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305027116 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304889764 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305031253 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305023801 | XXXXX D B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305029742 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304909795 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305026167 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305033643 | XXXXX D A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304904284 | XXXXX D A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305027110 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305032520 | XXXXX B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305034589 | XXXXX D A C | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305033578 | XXXXX D A B | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305042981 | XXXXX A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |

---

## Exhibit 99.10

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

**Exhibit 99.10**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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** | **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** |
| 304887753 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80 | 80 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304891124 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 304897403 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75 | 75 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0040 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  |
| 304894334 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 78.8 | 78.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875630 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304873948 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.14 | 73.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 304855016 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 304904411 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 | XXX | XXX | .0890 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0890 | 96 | 0.04 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 304893382 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.96 | 70.96 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304872040 | 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 | 3 |  |
| 304874838 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 304873952 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304868790 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304896187 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 58.67 | 58.67 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 2.7 |  |
| 304896696 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 85 | 85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 304874371 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 | XXX | XXX | .0049 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0049 | 95 | 0.05 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 304893409 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 304896742 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 304904999 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304860872 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.99 | 89.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304858379 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89 | 89 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304874862 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 77.04 | 77.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 304909724 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304892945 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.96 | 89.96 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  |
| 304905133 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 72.23 | 72.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304896369 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 304820279 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 54.39 | 54.39 | XXX | XXX | .0475 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0475 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304896895 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 71.79 | 71.79 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304908555 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75 | 75 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0357 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 304897415 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 58.04 | 71.86 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 304897100 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304907240 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304898064 | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 304875629 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 77.86 | 77.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 304860242 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.98 | 79.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304908664 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 61.1 | 61.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304874930 | 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 | 2.3 |  |
| 304904605 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 58.84 | 58.84 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 304908722 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90 | 90 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304904594 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 74.99 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304874864 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 77.25 | 77.25 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 305012733 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 304895527 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.41 | 75.41 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 304893392 | 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 | .0107 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 1.07% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304893722 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 65 | 65 | XXX | XXX | .0116 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0116 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304904287 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70 | 70 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0147 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304905159 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 73.85 | 73.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 304908601 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.39 | 64.39 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 304909759 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 304905002 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70 | 70 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 304874927 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 305026231 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 304874915 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304908683 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.05 | 64.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304909880 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70 | 70 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 305027116 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 63.33 | 63.33 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304889764 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305031253 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 48.82 | 48.82 | XXX | XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .2295 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| 305023801 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305029742 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 80 | 80 |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304909795 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 305026167 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 305033643 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 64.52 | 80 | XXX | XXX | .0000 | 1004 URAR |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 304904284 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 305027110 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305032520 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 61.11 | 61.11 | XXX | XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 305034589 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 77.99 | 77.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 305033578 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 89.9 | 89.9 | XXX | XXX | -.0050 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0050 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 305042981 | 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 | 3.8 |  |

---

## Exhibit 99.11

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

**Exhibit 99.11**

Executive Summary

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

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

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from October 2025 to December 2025 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 (in such capacity, the "Seller"). 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 through a delegated correspondent channel.

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

This report reflects 3 Loans selected by the Client to include in JPMMT 2026-4MPR (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 3 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 2026-4MPR

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 2026-4MPR

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?

Inglet Blair, LLC Deal Summary

JPMMT 2026-4MPR

pg. 3

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

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

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

&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

Inglet Blair, LLC Deal Summary

JPMMT 2026-4MPR

pg. 4

determination. IB objectively confirmed the following eight (8)-factors had been considered and, where applicable, documented:

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

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

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

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

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

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

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

● (viii) The consumer's credit history.

○ TRID (1026.36, 37)

○ Loan Estimate ("LE")

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

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

● Complete in all material respects

● Contains NMLS ID

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

○ Final Closing Disclosure ("CD")

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

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

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

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

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

● No fee charged for preparation of LE or CD

● Fee descriptions conform with clear and conspicuous standard

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

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

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

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

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

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

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

● Categorization of fees in the appropriate section

Inglet Blair, LLC Deal Summary

JPMMT 2026-4MPR

pg. 5

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

● 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

○ 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;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100%** |

---

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

There was no other review performed.

Inglet Blair, LLC Deal Summary

JPMMT 2026-4MPR

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;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &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;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &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;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-4MPR

pg. 7

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;PUD (Only for use with Single-Family<br> Detached Homes with PUD riders) | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &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;**2** | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &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;**2** | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

JPMMT 2026-4MPR

pg. 8

## Exhibit 99.12

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

**Exhibit 99.12**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Seller Loan ID | JPM Loan ID | Data Field | Tape Data | IB Review Value | Discrepancy Comments |
| (redacted) | 304847800 | Amortization Type | Fixed Rate | Buy Down | Buydown Agreement in file. |
| (redacted) | 304847800 | Total Debt to Income Ratio | (redacted) | (redacted) | Approved DTI (redacted), variance < (redacted) is non-material. |
| (redacted) | 304907160 | Total Debt to Income Ratio | (redacted) | (redacted) | Non-material variance is due to rounding. |
| (redacted) | 304907160 | QM/ATR Designation | Not Covered / Exempt | QM (APOR) / Non-HPML | Transaction is a purchase of a primary residence subject to compliance testing. Source of Tape Value is unknown. |
| (redacted) | 305027277 | Sales Price | (redacted) | (redacted) | Tape Value contains a typographical error. Review Value is the sales prices as per the purchase contract. |
| (redacted) | 305027277 | Original Loan to Value | (redacted) | (redacted) | Approved LTV (redacted), no variance. Source of Tape Value is unknown. |
| (redacted) | 305027277 | Original Combined Loan to Value | (redacted) | (redacted) | Approved CLTV (redacted), no variance. Source of Tape Value is unknown. |
| (redacted) | 305027277 | Total Debt to Income Ratio | (redacted) | (redacted) | Variance < (redacted) is non-material. |

---

## Exhibit 99.13

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

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Seller Name | JPM Loan ID | Exception ID | Exception ID Date | Condition Category | Condition Standardized Description | Condition ID | Initial Exception Grade | Final Exception Grade | Status | Condition Custom Description | Cleared Date | Compensating Factors | Lender Response | Comments | Loan Status |
| (redacted) | 304847800 (redacted) |  |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 304907160 (redacted) | 1153723 | 12/10/2025 | Credit | Missing Final UCD Findings | AUS 0002 | 3 | 1 | Closed | Missing final (redacted) UCD. | 12/12/2025 |  |  | 12/12/2025 Recd agency UCD - 12/12/2025 Recd agency UCD | Funded C A |
| (redacted) | 304907160 (redacted) | 1153945 | 12/10/2025 | Credit | Missing Evidence of sale of property owned | HUD 0011 | 3 | 1 | Closed | Missing final HUD from the sale of (redacted), referenced in the fraud report to clear the alert for this property. | 12/12/2025 |  |  | 12/12/2025 Recd final settlement statement to evidence borrowers no longer own the property. - 12/12/2025 Recd final settlement statement to evidence borrowers no longer own the property. | Funded C A |
| (redacted) | 304907160 (redacted) | 1153946 | 12/10/2025 | Credit | Insufficient Verified Funds to Close | CRED 0016 | 3 | 1 | Closed | Missing evidence the three earnest money deposits clearing the borrower's bank account, (redacted). Funds in (redacted) as of (redacted) are insufficient without the verified deposits. Per the (redacted) Selling Guide, when an EMD for a purchase transaction Mortgage is used to qualify the Borrower, the Seller must document that the EMD cleared the Borrower's account (e.g., copy of the canceled check, asset account statement, written statement from the EMD holder verifying receipt of the funds or wire transfer confirmation). | 12/29/2025 |  |  | 12/29/2025 Finding is cleared. EMD documentation confirms that the borrower initiated ACH debits that were completed. The bill pay screen prints show the borrowers name, email, bank and account number. EMD receipt was provided for the initial EMD. The final CD disclosed the EMD's as being received. Cash to close requirement met. No reserves required. - 12/29/2025 Finding is cleared. EMD documentation confirms that the borrower initiated ACH debits that were completed. The bill pay screen prints show the borrowers name, email, bank and account number. EMD receipt was provided for the initial EMD. The final CD disclosed the EMD's as being received. Cash to close requirement met. No reserves required. | Funded C A |
| (redacted) | 305027277 (redacted) | 1157236 | 12/31/2025 | Compliance | Missing E-Sign Disclosure | TRID 0134 | 3 | 1 | Closed | E-Sign Consent and Tracking Documentation is not in file. Some documents are electronically executed. | 01/06/2026 |  |  | 01/06/2026 Finding is cleared with the attached disclosure tracking that provides the borrowers eConsent date. - 01/06/2026 Finding is cleared with the attached disclosure tracking that provides the borrowers eConsent date. | Funded C A |
| (redacted) | 305027277 (redacted) | 1157667 | 01/05/2026 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 1 | Closed | Missing credit supplement evidencing < (redacted) months payments remaining, (redacted). The (redacted) payment was excluded, but there was (redacted) payments remaining based on the outstanding balance of (redacted) ((redacted) months). -- Per (redacted), For each liability that belongs to the borrower, provide documentation that supports the omission. -- Per (redacted), All installment debt that is not secured by a financial asset—including student loans, automobile loans, personal loans, and timeshares—must be considered part of the borrower's recurring monthly debt obligations if there are more than ten monthly payments remaining. -- DTI increased (redacted) with the payment considered (Max (redacted)). DTI increase > (redacted) requires (redacted) resubmission if the credit supplement does not reflect < (redacted) months remaining. --- Per (redacted), (redacted) loans trigger for resubmission — the result of these changes causes the DTI ratio recalculated by the lender to now exceed (redacted), or increase by (redacted) percentage points or more (if the recalculated DTI ratio is (redacted) or less). | 01/07/2026 |  |  | 01/07/2026 Finding is cleared with the attached credit supplement confirming < (redacted) months remaining. - 01/07/2026 Finding is cleared with the attached credit supplement confirming < 10 months remaining. | Funded C A |
| (redacted) | 305027277 (redacted) | 1157686 | 01/05/2026 | Credit | Back-end Ratio exception (DTI) | CRED 0004 | 3 | 1 | Closed | Missing investor acknowledgment. DTI is (redacted) excluding the non-occupying borrowers' income. Guidelines defer to (redacted). -- Per (redacted) selling guide (redacted), Down Payment and Qualifying Ratio Requirements for Manually Underwritten Loans: Using only the income of the occupying borrower(s) to calculate the DTI ratio, the maximum allowable DTI ratio is (redacted). Note: This policy applies even if the combined qualifying ratios for the borrower and the guarantor, co-signer, or non-occupant borrower are well below (redacted) standard qualifying ratio benchmark. Minimum credit score and reserve requirements based on the LTV ratio and combined qualifying ratios of all borrowers must be met per the Eligibility Matrix. | 01/07/2026 |  |  | 01/07/2026 Agree, guidelines underwrite to AUS with overlays. Review confirmed co-borrower was submitted to (redacted) as a non-occupant borrower. - 01/07/2026 Agree, guidelines underwrite to AUS with overlays. Review confirmed co-borrower was submitted to (redacted) as a non-occupant borrower. | Funded C A |
| (redacted) | 305027277 (redacted) | 1157701 | 01/05/2026 | Credit | Missing Verification of Liability (Contingent or Otherwise) | CRED 0097 | 3 | 1 | Closed | Missing copies of deposit and first months rent for co-borrowers primary residence, (redacted). Only the lease agreement was provided. -- Per (redacted), The amount of the rental housing expense must be verified and documented. Acceptable documentation includes a copy of a current executed lease agreement and two months cancelled checks. | 01/19/2026 |  |  | 01/19/2026 Attached documentation confirms co-borrowers first months rent and security deposit being remitted post-consummation. The lease agreement in file confirmed terms of the lease, which was included in qualifying. - 01/19/2026 Attached documentation confirms co-borrowers first months rent and security deposit being remitted post-consummation. The lease agreement in file confirmed terms of the lease, which was included in qualifying. | Funded C A |

---

## Exhibit 99.14

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

**Exhibit 99.14**

---

| | | | | |
|:---|:---|:---|:---|:---|
| JPM Loan ID | Initial Overall Event Level | Final Overall Event Level | Originator QM/ATR Status | TPR QM/ATR Status |
| 304847800 (redacted) | 1 | 1 A | 1 | QM (APOR) / Non-HPML (redacted) |
| 304907160 (redacted) | 3 | 1 C A | 1 | QM (APOR) / Non-HPML (redacted) |
| 305027277 (redacted) | 3 | 1 C A | 1 | QM (APOR) / Non-HPML (redacted) |

---

## Exhibit 99.15

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

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | | | |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **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) | 304847800 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |
| (redacted) | 304907160 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| (redacted) | 305027277 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.16

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

**Exhibit 99.16**

**EXECUTIVE SUMMARY**

JPMMT 2026-4MPR

**Overview**

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

The Review was conducted from September 2025 to October 2025 on mortgage loans (the "Loans") originated from September 2025 to October 2025.

The Review consisted of 100% of the population of 11 loans with an original loan balance of $16,706,950.00.

**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

&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

![](ex9916001.jpg)

&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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9916001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&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,

![](ex9916001.jpg)

MaxDiligence will note if an originator's mortgage loan designation was not provided. MaxDiligence shall use the following designations:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9916001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Property Review**

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

![](ex9916001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex9916001.jpg)

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

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

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

**Compliance Review**

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

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

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

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

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

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

![](ex9916001.jpg)

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.

&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

![](ex9916001.jpg)

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

&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>![](ex9916001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) With respect to a borrower that has waived the three (3) Business Day disclosure requirement,
confirm that (a) the borrower has signed the waiver or other acknowledgment

![](ex9916001.jpg)

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:

&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.

![](ex9916001.jpg)

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

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

- Fannie Mae

- Freddie Mac

- AD Mortgage Jumbo Blue Underwriting Guidelines

- Guaranteed Rate JP Morgan QM AUS 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** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &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;**11** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &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;**11** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &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% |

---

![](ex9916001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**11** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;11 | &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;**11** | &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").

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Exception Level Grade** | **Exception Category** | **Total** |
| Credit | A | Assets – Authorization Access for Joint Account | 1 |
| Credit | A | Assets - Insufficient Cash to Close or Reserves | 1 |
| Credit | A | Audited DTI Exceeds AUS DTI | 1 |

---

![](ex9916001.jpg)

---

| | |
|:---|:---|
| Borrower 2 3rd Party VOE Prior to Close Missing | 2 |
| Evidence of Property Tax Missing | 1 |
| Fraud Report Shows Uncleared Alerts | 1 |
| Hazard Insurance Coverage Amount is less than Required Coverage Amount | 2 |
| Liabilities - REO | 1 |
| Missing VOM or VOR | 1 |
| No Credit Findings | 3 |
| Title Document Missing | 1 |

---

![](ex9916001.jpg)

---

| | | | |
|:---|:---|:---|:---|
|  |  | ***Total Credit Grade (A) Exceptions*** | ***14*** |
| Property | A | Missing Doc - 3rd Party Valuation Product/Missing | 5 |
| Property | A | Value - Value is supported within -10% of original appraisal amount | 6 |
|  |  | ***Total Property Grade (A) Exceptions*** | ***11*** |
| Compliance | A | Missing Doc - Homeownership Counseling Disclosure/Incomplete | 1 |
| Compliance | A | No Compliance Findings | 9 |

---

![](ex9916001.jpg)

---

| | |
|:---|:---|
| PUD Rider is Missing | 1 |
| ***Total Compliance Grade (A) Exceptions*** | ***11*** |

---

**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 11 Loans reviewed, 8 unique Loans (by loan count) had a total of 13 different tape discrepancies across 6 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.

---

| | | | |
|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** |
| Primary Appraisal Date | 1 | 11 | 9.09% |
| Primary Appraised Property Value | 1 | 11 | 9.09% |
| Proposed Mortgage Insurance | 1 | 11 | 9.09% |
| Qualifying CLTV | 4 | 11 | 36.36% |
| Qualifying FICO | 2 | 11 | 18.18% |
| Qualifying LTV | 4 | 11 | 36.36% |

---

![](ex9916001.jpg)

**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. |

---

---

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

---

![](ex9916001.jpg)

---

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

---

## Exhibit 99.17

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

**Exhibit 99.17**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **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 | 304840781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5775185 | 1 of 3 | 2025-10-04 13:24 | 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>|  |  |  |  | 2025-10-04 13:24 | Cleared | 1 | 1 | 1 | 1 |
| xxxxxx | 304840781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5775186 | 2 of 3 | 2025-10-04 13:24 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-04 13:24 | Cleared | 1 | 1 | 1 | 1 |
| xxxxxx | 304840781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5787148 | 3 of 3 | 2025-10-06 16:39 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-31 18:46 | Cleared | 1 | 1 | 1 | 1 |
| xxxxxx | 304849324 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5872735 | 1 of 3 | 2025-10-13 15:46 | Compliance | PUD Rider is Missing | PUD Rider is missing. Per the appraisal, the property is located in a PUD, no PUD rider was provided and the PUD rider box on the Mortgage is not checked. <br>|  | Please find attached. Mortgage has been recorded with PUD Rider - xxxxxxx<br>| Received DOT with all riders - xxxxxxx<br>Please find attached. Mortgage has been recorded with PUD Rider - xxxxxxx<br>|  | 2025-11-24 15:08 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304849324 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5873258 | 2 of 3 | 2025-10-13 16:13 | Credit | Assets - Insufficient Cash to Close or Reserves | Liquid Funds Post-Close of '$xxxxxx', are less than $xxxxxx. Borrower(s) total verified assets are insufficient for cash to close or reserves. The verified assets in the loan file are business assets from the borrower's business, there is a letter in the file from the bank stating the borrower is the Authorized Owner of the account; however, per the business tax returns in file, the borrower is only 20% owner, reduced available assets by 80% since there is no access letter from the other owners granting the borrower 100% access. Also, the $xxxxxx EMD is not verified as cleared. <br>|  | This closed as a Jumbo blue which doesn't require reserves except according to AUS findings in this case the findings did not call for any reserves. As for the business assets its nothing in the xxxxxx that states all owners would need to sign a letter giving access. If it is not specifically in the xxxxxx we fall back on agencies guides. In this case xxxxxx findings were used. for business assets the requirements per below were met. As mentioned in the correspondence we have verification borrower is owner of the account but fannie does not require anything from other owners The emd was verified $xxxxxx on xxxxxx & $xxxxxx on xxxxxx - statements are in file. <br> - xxxxxxx | Liquid Funds Post-Close are greater than or equal to $0. - xxxxxxx<br> Liquid Funds Post-Close are greater than or equal to $0. Borrower(s) total verified assets are insufficient for cash to close or reserves. - xxxxxxx<br> resolved by waterfall requirements - xxxxxxx<br> This closed as a Jumbo blue which doesn't require reserves except according to AUS findings in this case the findings did not call for any reserves. As for the business assets its nothing in the Jumbo blue guides that states all owners would need to sign a letter giving access. If it is not specifically in the jumbo guides we fall back on agencies guides. In this case Fannie findings were used. for business assets the requirements per below were met. As mentioned in the correspondence we have verification borrower is owner of the account but fannie does not require anything from other owners The emd was verified $xxxxxx on xxxxxx & $xxxxxx on xxxxxx - statements are in file. <br> - xxxxxxx |  | 2026-05-07 17:56 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304849324 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5873407 | 3 of 3 | 2025-10-13 16:22 | 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>|  |  |  |  | 2025-10-13 16:22 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304819359 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5660937 | 1 of 2 | 2025-09-24 19:44 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Unable to locate an acceptable 3rd party valuation product, the CU score is 2.6. <br>|  | Please see attached. - xxxxxx | Received a satisfactory Appraisal Risk Review and an AVM. - xxxxxxx<br>Please see attached. - xxxxxxx<br>|  | 2025-10-07 18:17 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304819359 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5662527 | 2 of 2 | 2025-09-24 21:17 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-24 21:17 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304819359 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5596640 | 1 of 3 | 2025-09-19 10:09 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Unable to locate an acceptable 3rd party valuation product in the loan file. CU score is 2.9. <br>|  | AVM - xxxxxxx <br> The program is xxxxxx, CDA not required for it, please refer to xxxxxx - xxxxxx | Documentation provided is sufficient. - xxxxxxx<br> AVM - xxxxxxx<br> xxxxxx requires 3rd party valuation for all 1st liens. - xxxxxxx<br> The program is xxxxxx, CDA not required for it, please refer to xxxxxx - xxxxxxx |  | 2025-09-30 13:05 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304819359 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5635630 | 2 of 3 | 2025-09-23 15:50 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-09-23 15:50 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304819359 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5639086 | 3 of 3 | 2025-09-23 18:25 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-23 18:25 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304840811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5875476 | 1 of 3 | 2025-10-13 18:00 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Unable to locate an acceptable 3rd party valuation product, the CU in file has a score that exceeds 2.5. 3rd party valuation required. xxxxxx section 6.7.1 reads: 6.7.1. SECONDARY VALUATION PRODUCT REQUIRED FOR EVERY LOAN An eligible secondary valuation product is required for all loan files, unless a second full appraisal is provided. If a loan has a second full appraisal, then lower of the 2 appraisal values will be used to qualify (for purchase transactions – lesser of the purchase price and appraised values). The secondary valuation cannot be more than 10% less than the appraised value, otherwise it is deemed ineligible. For files requiring a secondary valuation product, below options are available:<br> • Secondary valuation waterfall:<br> 1. FNMA SSR CU score <= 2.5<br> 2. If FNMA SSR CU score is > 2.5 or unavailable, then AVM with 90%+ confidence score is required.<br> 3. If AVM is ineligible or unavailable, CDA is required.<br> 4. If CDA is ineligible or unavailable, second appraisal is required & must be ordered at borrower's expense. <br>|  | Document Uploaded. - xxxxxxx <br>Please see attached. All requirements for 2nd valuation were removed from #6.7 - xxxxxxx <br>This condition should be waived as both guidelines and investors didn't require any secondary valuation on Prime Jumbo Blue files at a time of application or UW review. <br>It changed 9/29 and officially yesterday with updated guidelines. - xxxxxxx<br>| Desk review provided with Low Risk and matching value - xxxxxxx<br> Document Uploaded. - xxxxxxx<br> Please see attached. All requirements for 2nd valuation were removed from #6.7 - xxxxxxx<br> Please provide new/updated guide with this information. - xxxxxxx<br> This condition should be waived as both guidelines and investors didn't require any secondary valuation on xxxxxx files at a time of application or UW review. <br> It changed xxxxxx and officially yesterday with updated guidelines. - xxxxxxx |  | 2026-05-11 16:26 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304840811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5875580 | 2 of 3 | 2025-10-13 18:05 | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. Hazard coverage amount is less than the subject lien loan amount. <br>|  | It has 100% replacement cost - xxxxxxx<br>| Coverage Amount - Hazard Insurance of $xxxxxx is equal to or greater than Required Coverage Amount of $xxxxxx - xxxxxxx<br> It has 100% replacement cost - xxxxxxx |  | 2025-10-22 15:33 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304840811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5880409 | 3 of 3 | 2025-10-13 22:16 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-13 22:16 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304843278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5695174 | 1 of 3 | 2025-09-28 09:34 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd party VOE prior to close missing. Unable to locate a VVOE for B2 <br>|  | Please see attached - xxxxxx <br> Please see attached VOE for co-borrower - xxxxxx | Although the most recent paystub was not provided, the paystub dated xxxxxx is dated within 15 business days of the Note date. - xxxxxxx<br> Please see attached - xxxxxxx<br> Received a paystub dated xxxxxx, but the AUS requires the most recent available paystub. It appears the most recent available paystub is datedxxxxxxx. Please provide thexxxxxxx paystub or a VVOE for xxxxxx.<br> - xxxxxxx<br> Please see attached VOE for co-borrower - xxxxxxx |  | 2025-10-07 18:36 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304843278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5695196 | 2 of 3 | 2025-09-28 10:22 | 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>|  |  |  |  | 2025-09-28 10:22 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304843278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5703820 | 3 of 3 | 2025-09-29 15:42 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-29 15:42 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304839617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5900607 | 1 of 4 | 2025-10-15 14:30 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd party VOE prior to close missing. Unable to locate a VVOE for borrower 2 <br>|  | VOE - xxxxxxx<br>| Borrower 2 3rd party VOE prior to close was provided. (Number of Borrowers equals 2) - xxxxxxx<br>documentation meet requirements - xxxxxxx<br>VOE - xxxxxxx<br>|  | 2025-10-28 13:44 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304839617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5900891 | 2 of 4 | 2025-10-15 14:42 | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The borrower's mortgage for their vacating residence is not reporting on the credit report and no VOM was located in the loan file. <br>|  | VOM - xxxxxxx<br>| mtg statement show departure residence not past due. - xxxxxxx<br>VOM - xxxxxxx<br>|  | 2025-10-28 13:45 | Cured | 3 | 1 | 3 | 1 |
| xxxxxx | 304839617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5901548 | 3 of 4 | 2025-10-15 15:11 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Unable to locate an acceptable 3rd party valuation product, the CU score exceeds 2.5 <br>|  | avm - xxxxxxx<br>| documentation meet requirements - xxxxxxx<br>avm - xxxxxxx<br>|  | 2025-10-28 13:41 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304839617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5914552 | 4 of 4 | 2025-10-16 13:12 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-16 13:12 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304838989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5889690 | 1 of 5 | 2025-10-14 17:07 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate the mortgage statement and hazard insurance documentation for borrower 2's primary residence located at xxxxxx. There is a mortgage reporting on borrower 2 credit report that is not accounted for on the 1003 or 1008, the mortgage is for a property located at xxxxxx. Need letter of explanation/justification for the exclusion. <br>|  | Proof of exclusion and PITIA for xxxxxx - xxxxxxx | documentation meet requirements - xxxxxxx<br> Proof of exclusion and PITIA forxxxxxx - xxxxxxx |  | 2025-10-17 15:09 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304838989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5889813 | 2 of 5 | 2025-10-14 17:14 | Credit | Title Document Missing | Title document is missing. Unable to locate the title documentation in the loan file. <br>|  | Title - xxxxxxx<br>| documentation meet requirements - xxxxxxx<br>Title document is fully present - xxxxxxx<br>Title - xxxxxxx<br>|  | 2025-10-17 15:08 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304838989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5890506 | 3 of 5 | 2025-10-14 17:51 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI exceeds AUS DTI. Review DTI of 54% exceeds the LP AUS DTI of 50%. Borrower 2 SSI at origination was calculated at xxxxxx/mo., review calculation is $xxxxxx/mo. <br>|  | Additional Asset depletion account provided - DTI xxxxxx% - xxxxxxx | documentation meet requirements - xxxxxxx<br> Audited DTI ofxxxxxx% is less than or equal to AUS DTI of xxxxxx% - xxxxxxx<br> Additional Asset depletion account provided - DTI xxxxxx% - xxxxxxx |  | 2025-10-21 20:07 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304838989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5890535 | 4 of 5 | 2025-10-14 17:55 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Unable to locate an acceptable 3rd party review product, LCA score exceeds 2.5. <br>|  | CDA - xxxxxxx<br>| documentation meet requirements - xxxxxxx<br>CDA - xxxxxxx<br>|  | 2025-10-23 18:54 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304838989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5903184 | 5 of 5 | 2025-10-15 15:55 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-15 15:55 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304838879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5769319 | 1 of 3 | 2025-10-03 17:19 | 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>|  |  |  |  | 2025-10-03 17:19 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304838879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5769324 | 2 of 3 | 2025-10-03 17:19 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-10-03 17:19 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304838879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5772038 | 3 of 3 | 2025-10-03 20:11 | Compliance | Missing Doc - Homeownership Counseling Disclosure/Incomplete | Homeownership Counseling Disclosure is partially provided. There isn't a date that the HOC was provided or any disclosure tracking showing it was sent. <br>|  | Please see attached - xxxxxx <br> Page 160 shows the disclosure timeline. The HOC was sent to the borrower xxxxxx - xxxxxxx | Received disclosure - xxxxxxx<br> Please see attached - xxxxxxx<br> Unable to locate disclosure tracking in the loan file to confirm date Housing Disclosure was provided to the borrower - xxxxxxx<br> Page 160 shows the disclosure timeline. The HOC was sent to the borrower xxxxxx - xxxxxxx |  | 2025-10-15 18:49 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304728781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5805458 | 1 of 4 | 2025-10-07 15:51 | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. Hazard insurance amount is less than required coverage amount <br>|  | Please see confirmation from Insurance agent subject property has 100% replacement coverage - xxxxxxx<br>| Received email confirmation from insurance agent that insurance policy was written to 100% replacement cost; xxxxxx property. - xxxxxxx<br> Coverage Amount - Hazard Insurance of $xxxxxx is equal to or greater than Required Coverage Amount of $xxxxxx - xxxxxxx<br> Please see confirmation from Insurance agent subject property has 100% replacement coverage - xxxxxxx |  | 2025-10-22 22:22 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304728781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5805888 | 2 of 4 | 2025-10-07 16:09 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Fraud Report shows 1 uncleared medium alert, Doc Drawer & Appraisal Underwriter, Potential Conflict of Interest - Two or more parties have similar names on the loan. <br>|  | Please see attached - xxxxxxx<br>| Received DataVerify DRIVE report with high and medium alerts signed off. - xxxxxxx<br>All Fraud Report Alerts have been cleared or None Exist - xxxxxxx<br>Please see attached - xxxxxxx<br>|  | 2025-10-22 22:19 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304728781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5806030 | 3 of 4 | 2025-10-07 16:11 | 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>|  |  |  |  | 2025-10-07 16:11 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304728781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5870710 | 4 of 4 | 2025-10-13 13:47 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-10-13 13:47 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304820255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5657899 | 1 of 4 | 2025-09-24 17:11 | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. Unable to locate a property tax estimate sheet. <br>|  | see attached - xxxxxx | Documentation provided is sufficient. - xxxxxxx<br>see attached - xxxxxxx<br>|  | 2025-10-22 13:36 | Resolved | 3 | 1 | 3 | 1 |
| xxxxxx | 304820255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5658745 | 2 of 4 | 2025-09-24 17:57 | 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>|  |  |  |  | 2025-09-24 17:57 | Cleared | 1 | 1 | 3 | 1 |
| xxxxxx | 304820255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5658883 | 3 of 4 | 2025-09-24 18:04 | Credit | Assets - Authorization Access for Joint Account | The file does not contain authorization access for funds from joint account holder. Borrower 2 is an account holder with another person on xxxxxx accounts #xxxxxx and #xxxxxx, unable to locate an access letter from xxxxxx granting the borrower 100% access to the accounts. <br>|  | see attached - xxxxxx | FHLMC does not require. - xxxxxxx<br>see attached - xxxxxxx<br>|  | 2025-10-22 13:41 | Void | 3 |  | 3 | 1 |
| xxxxxx | 304820255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 5660317 | 4 of 4 | 2025-09-24 19:15 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-24 19:15 | Cleared | 1 | 1 | 3 | 1 |

---

## Exhibit 99.18

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

**Exhibit 99.18**

![](maxwell-logo.jpg)

Client Maxwell Diligence Solutions LLC <br> Transaction AD Mortgage <br> Date 05/11/2026

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 304840781 | xxxxxx | xxxxxx | xxxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| xxxxxx | 304849324 | xxxxxx | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 304819359 | xxxxxx | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| xxxxxx | 304822448 | xxxxxx | xxxxxx | xxxxxx | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| xxxxxx | 304840811 | xxxxxx | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| xxxxxx | 304843278 | xxxxxx | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 304839617 | xxxxxx | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| xxxxxx | 304838989 | xxxxxx | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 3 | 1 C A |
| xxxxxx | 304838879 | xxxxxx | xxxxxx | xxxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| xxxxxx | 304728781 | xxxxxx | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| xxxxxx | 304820255 | xxxxxx | xxxxxx | xxxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |

---

## Exhibit 99.19

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

**Exhibit 99.19**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxxx | xxxxxx | 304840781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Loan Collateral Advisor (LCA) |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |
| xxxxxx | xxxxxx | 304849324 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304819359 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304822448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304840811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |
| xxxxxx | xxxxxx | 304843278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304839617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304838989 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxxxx | xxxxxx | 304838879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304728781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304820255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |

---

## Exhibit 99.20

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

**Exhibit 99.20**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxxx | xxxxxx | 304840781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |
| xxxxxx | xxxxxx | 304840781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |
| xxxxxx | xxxxxx | 304849324 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304849324 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304819359 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |
| xxxxxx | xxxxxx | 304840811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |
| xxxxxx | xxxxxx | 304840811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |
| xxxxxx | xxxxxx | 304843278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304843278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |
| xxxxxx | xxxxxx | 304838879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |
| xxxxxx | xxxxxx | 304728781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |
| xxxxxx | xxxxxx | 304728781 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |
| xxxxxx | xxxxxx | 304820255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |

---

## Exhibit 99.21

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

**Exhibit 99.21**

![](ex9921001.jpg)

JPMMT 2026-4MPR

JPMorgan

Opus Capital Markets Consultants, LLC

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

**Executive Narrative**

**May 11, 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 fifty-seven (57) 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 fifty-seven (57) credit and compliance loans identified as QM: Average Prime Offer Rate (APOR). There are seven (7) 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.

**Credit Review**

**Credit Qualification**

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

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

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

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

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

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

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

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

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

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

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

**Document Review**

**Document Review**

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

**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, 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;

<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).

&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).

● Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

● Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

● City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

● Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

● Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

● Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

● Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

● New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

● North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§ 201.01 et seq.

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

● Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.

● Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

● South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

● Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

● Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

● Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

● Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1-428.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

Each mortgage loan was reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● Loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile for which the borrower has obtained flood insurance

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. The premium for which is paid by the condominium associate, cooperative, homeowners association, or other group as a common
expense.

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

● Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities

● Property is described as average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments

● Appraiser was appropriately licensed at the time the appraisal was signed

***Valuation Waterfall and Products***

**<u>Agency Eligible Loan Programs</u>**

● PIW

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All PIW loans: AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If AVM <90% of origination value: BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. If BPO <90% of origination value: Stip for Seller to order Field Review/2055 or Appraisal.

● If FHLMC Rep &Warrant Relief NOT Eligible for FNMA CU >2.5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All: Desk Review (w/value conclusion)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If Desk Review < 90% of origination value: Stip for Seller to order a Filed Review/2055 of second appraisal.

**<u>Jumbo Loan Programs</u>**

● If only 1 appraisal and no desk review: Stip for Seller to order a Desk Review (w/value conclusion)

● If guidelines required 2 appraisals, but only 1 appraisal provided; Stip for Seller to order second appraisal

● If desk review indicated a value lower than the appraisal; Stip for Seller to order BPO and value reconciliation.

**<u>Seasoned Loan Updated</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Updated AVM:** An Automated Valuation Model ("AVM") was ordered on each property. If the resulting value of
the AVM is in aggregate less than 90% of the value reflected on the original appraisal, or if no results are returned, an Appraisal
Desk Review was ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Appraisal Desk Review:** If the resulting value for the PVO is less than 90% of the value reflected on the original appraisal,
or if no results are returned, a Broker Price Opinion (BPO) was ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **BPO:** If the resulting value of the BPO is less than 90%of the value reflected on the original appraisal, an appraisal
field review may be ordered on the property

The criteria set forth in this section titled "Valuation Waterfall and Products": are subject to change by RMC at any time.

**Value Review Disclaimer**

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal in a property located in an area that is designated as IA (Individual Assistance) or IH (Individual and Household Assistance), Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**

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. <br>

**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. <br>

**Opus Compliance Grades**

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● Level 2 Compliance Grade Definition: There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**<u>Pool Details</u>**

![](ex9921002.jpg)

**<u>Tape Discrepancies</u>**

![](ex9921003.jpg)

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there was one (1) obligor with multiple loans in the pool.

**Property Inspection Waivers**: One (1) loan contained a Property Inspection Waiver (PIW). An AVM was obtained as a secondary product to confirm the value indicated on the PIW. An initial property value grade of a "C" was assigned to the PIW loan. If the secondary product supported the value indicated on the PIW, a final property grade of a "B" was assigned.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |

---

C <u>C</u> <u>C</u> <u>C</u> <u>The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations</u> <br> <u>D</u> <u>D</u> <u>D</u> <u>D</u> <u>The loan file is missing critical documentation required to perform the review</u>

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |

---

C Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines

D The loan file was missing the appraisal and/or other valuations products needed to complete the review

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated May 11, 2026.

![](ex9921004.jpg)

**<u>Loans Reviewed (57)</u>**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**LoanID** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**LoanID** |
| &nbsp;&nbsp;**1** | &nbsp;&nbsp;304896759 | &nbsp;&nbsp;**30** | &nbsp;&nbsp;304898228 |
| &nbsp;&nbsp;**2** | &nbsp;&nbsp;304893718 | &nbsp;&nbsp;**31** | &nbsp;&nbsp;305031601 |
| &nbsp;&nbsp;**3** | &nbsp;&nbsp;304893525 | &nbsp;&nbsp;**32** | &nbsp;&nbsp;304909453 |
| &nbsp;&nbsp;**4** | &nbsp;&nbsp;304909771 | &nbsp;&nbsp;**33** | &nbsp;&nbsp;304909059 |
| &nbsp;&nbsp;**5** | &nbsp;&nbsp;304903053 | &nbsp;&nbsp;**34** | &nbsp;&nbsp;304904632 |
| &nbsp;&nbsp;**6** | &nbsp;&nbsp;305030913 | &nbsp;&nbsp;**35** | &nbsp;&nbsp;305012715 |
| &nbsp;&nbsp;**7** | &nbsp;&nbsp;304902297 | &nbsp;&nbsp;**36** | &nbsp;&nbsp;305031451 |
| &nbsp;&nbsp;**8** | &nbsp;&nbsp;305025996 | &nbsp;&nbsp;**37** | &nbsp;&nbsp;305029579 |
| &nbsp;&nbsp;**9** | &nbsp;&nbsp;305027052 | &nbsp;&nbsp;**38** | &nbsp;&nbsp;304897625 |
| &nbsp;&nbsp;**10** | &nbsp;&nbsp;305024069 | &nbsp;&nbsp;**39** | &nbsp;&nbsp;304826854 |
| &nbsp;&nbsp;**11** | &nbsp;&nbsp;304911027 | &nbsp;&nbsp;**40** | &nbsp;&nbsp;304993694 |
| &nbsp;&nbsp;**12** | &nbsp;&nbsp;305013392 | &nbsp;&nbsp;**41** | &nbsp;&nbsp;304933521 |
| &nbsp;&nbsp;**13** | &nbsp;&nbsp;305028147 | &nbsp;&nbsp;**42** | &nbsp;&nbsp;305029720 |
| &nbsp;&nbsp;**14** | &nbsp;&nbsp;305028217 | &nbsp;&nbsp;**43** | &nbsp;&nbsp;304904590 |
| &nbsp;&nbsp;**15** | &nbsp;&nbsp;305029628 | &nbsp;&nbsp;**44** | &nbsp;&nbsp;305024856 |
| &nbsp;&nbsp;**16** | &nbsp;&nbsp;305028227 | &nbsp;&nbsp;**45** | &nbsp;&nbsp;305027048 |
| &nbsp;&nbsp;**17** | &nbsp;&nbsp;305028231 | &nbsp;&nbsp;**46** | &nbsp;&nbsp;305013433 |
| &nbsp;&nbsp;**18** | &nbsp;&nbsp;305028238 | &nbsp;&nbsp;**47** | &nbsp;&nbsp;305029280 |
| &nbsp;&nbsp;**19** | &nbsp;&nbsp;305029631 | &nbsp;&nbsp;**48** | &nbsp;&nbsp;305024067 |
| &nbsp;&nbsp;**20** | &nbsp;&nbsp;305013317 | &nbsp;&nbsp;**49** | &nbsp;&nbsp;305046026 |
| &nbsp;&nbsp;**21** | &nbsp;&nbsp;305042988 | &nbsp;&nbsp;**50** | &nbsp;&nbsp;304911418 |
| &nbsp;&nbsp;**22** | &nbsp;&nbsp;304898438 | &nbsp;&nbsp;**51** | &nbsp;&nbsp;304904412 |
| &nbsp;&nbsp;**23** | &nbsp;&nbsp;305031098 | &nbsp;&nbsp;**52** | &nbsp;&nbsp;305012768 |
| &nbsp;&nbsp;**24** | &nbsp;&nbsp;305013432 | &nbsp;&nbsp;**53** | &nbsp;&nbsp;305029721 |
| &nbsp;&nbsp;**25** | &nbsp;&nbsp;305027361 | &nbsp;&nbsp;**54** | &nbsp;&nbsp;305013268 |
| &nbsp;&nbsp;**26** | &nbsp;&nbsp;304871519 | &nbsp;&nbsp;**55** | &nbsp;&nbsp;304893918 |
| &nbsp;&nbsp;**27** | &nbsp;&nbsp;304898866 | &nbsp;&nbsp;**56** | &nbsp;&nbsp;305027201 |
| &nbsp;&nbsp;**28** | &nbsp;&nbsp;304909452 | &nbsp;&nbsp;**57** | &nbsp;&nbsp;304908538 |
| &nbsp;&nbsp;**29** | &nbsp;&nbsp;305027191 |  |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.22

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

**Exhibit 99.22**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ALT ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 305027052 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 304904590 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 305046026 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 305028147 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| 304909453 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305031451 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 305028238 | XXXXXXX | XXXXXX | XXXXX | 0448-005 | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| 304933521 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Loan Type | the1003Page | Conventional | Other | Audit value pulled from 1008. |
| 304893718 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Loan Type | the1003Page | Conventional | Other | Audit Value Pulled From 1008. |
| 304896759 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Occupancy | the1003Page | Second Home | Primary Residence | Audit Value Pulled From Final 1003. |
| 304896759 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | $XXXXXX | Audit Value pulled from appraisal. |
| 305013317 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 80 | 79.99 | Rounding |
| 304911027 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304826854 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.99 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| 305029721 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 79.61 | 80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304871519 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 70.44 | 71 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304909453 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 60.58 | 60.57 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305012768 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 73.5 | 74 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 305027361 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 79.41 | 79.4 | Rounding |
| 304904632 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 78.95 | 79 | Audit Value of 1st + 2nd lien / Qualifying Value" |
| 305013432 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 62.05 | 63 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305029720 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 74.85 | 74.84 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305029280 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 78.37 | 79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305013268 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 74.73 | 75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305025996 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 89.97 | 90 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305028231 | XXXXXXX | XXXXXX | XXXXX | 0448-005 | Qualifying CLTV | propertyValuationPage | 79.29 | 79.28 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305028227 | XXXXXXX | XXXXXX | XXXXX | 0448-005 | Qualifying CLTV | propertyValuationPage | 79.7 | 80 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305029631 | XXXXXXX | XXXXXX | XXXXX | 0448-005 | Qualifying CLTV | propertyValuationPage | 76.36 | 77 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305013392 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 87.36 | 88 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 304909771 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying CLTV | propertyValuationPage | 65.52 | 66 | Audit Value of 1st + 2nd lien / Qualifying Value |
| 305031451 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying FICO | creditLiabilitiesPage | 742 | 0 | Audit value based on lender qualifying requirements. |
| 305028217 | XXXXXXX | XXXXXX | XXXXX | 0448-005 | Qualifying FICO | creditLiabilitiesPage | 778 | 0 | Audit value based on lender qualifying requirements. |
| 305013317 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 80 | 79.99 | Rounding |
| 304826854 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 89.99 | 90 | Audit Value of Subject Lien / Qualifying Value. |
| 305029721 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 79.61 | 80 | Audit Value of Subject Lien / Qualifying Value |
| 304871519 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 70.44 | 71 | Audit Value of Subject Lien / Qualifying Value |
| 304909453 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 60.58 | 60.57 | Audit Value of Subject Lien / Qualifying Value |
| 305012768 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 73.5 | 74 | Audit Value of Subject Lien / Qualifying Value" |
| 305027361 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 79.41 | 79.4 | Rounding |
| 304904632 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 78.95 | 79 | Audit Value of Subject Lien / Qualifying Value" |
| 305013432 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 62.05 | 63 | Audit Value of Subject Lien / Qualifying Value |
| 305029720 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 74.85 | 74.84 | Audit Value of Subject Lien / Qualifying Value |
| 305029280 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 78.37 | 79 | Audit Value of Subject Lien / Qualifying Value |
| 305013268 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 74.73 | 75 | Audit Value of Subject Lien / Qualifying Value |
| 305025996 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 89.97 | 90 | Audit Value of Subject Lien / Qualifying Value |
| 305028231 | XXXXXXX | XXXXXX | XXXXX | 0448-005 | Qualifying LTV | propertyValuationPage | 79.29 | 79.28 | Audit Value of Subject Lien / Qualifying Value. |
| 305028227 | XXXXXXX | XXXXXX | XXXXX | 0448-005 | Qualifying LTV | propertyValuationPage | 79.7 | 80 | Audit Value of Subject Lien / Qualifying Value |
| 305029631 | XXXXXXX | XXXXXX | XXXXX | 0448-005 | Qualifying LTV | propertyValuationPage | 76.36 | 77 | Audit Value of Subject Lien / Qualifying Value |
| 305013392 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 87.36 | 88 | Audit Value of Subject Lien / Qualifying Value |
| 304909771 | XXXXXXX | XXXXXX | XXXXX | 0448-001 | Qualifying LTV | propertyValuationPage | 65.52 | 66 | Audit Value of Subject Lien / Qualifying Value |

---

## Exhibit 99.23

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

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 305042988 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-02-24 13:59 | 2026-03-03 10:43 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/03/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 7784685 | Investor Post-Close | No |
| 305042988 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-03-03 10:42 | 2026-03-03 10:42 | Acknowledged | 2 - Non-Material | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation supports within 10%, PIW grading applies. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Secondary valuation supports within 10%, PIW grading applies. - Due Diligence Vendor-03/03/2026<br>|  |  |  | XX | Second Home | Purchase | NA | 7898259 | Investor Post-Close | No |
| 305024069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-30 04:25 | 2026-01-30 04:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/30/2026 |  | 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-01/30/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7366326 | Investor Post-Close | No |
| 305027052 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-23 05:28 | 2026-02-08 16:39 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-B1 is co-signor. - Due Diligence Vendor-02/08/2026 <br>Ready for Review-The cosigner signed everything but the DOT and is not vested - Due Diligence Vendor-02/06/2026 <br>Open-Borrower 1 Signature does not match Note Borrower 1 signor on the Note did not sign the Deed of Trust document. - Due Diligence Vendor-02/04/2026 |  | Resolved-B1 is co-signor. - Due Diligence Vendor-02/08/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7264005 | N/A | N/A |
| 304904412 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-01 10:53 | 2026-01-03 14:03 | 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 as same as the Disbursement Date of XX/XX/XXXX.<br> - Due Diligence Vendor-01/01/2026 |  | 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 as same as the Disbursement Date of XX/XX/XXXX.<br> - Due Diligence Vendor-01/01/2026 |  |  |  | XX | Primary Residence | Purchase | NA | 6887060 | Investor Post-Close | No |
| 304909453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-06 15:03 | 2026-01-16 09:11 | 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-01/16/2026 <br> Resolved-Final CD for new loan on the primary residence provided, indicating both loans were paid off; condition resolved. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-1/12 XXX: Please see the attached final CD for the property at XX XXX XXX XX, payoffs evident on page 3. - Due Diligence Vendor-01/12/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing final settlement statement/CD for new loan on primary residence showing both liens paid off and new PITIA payment. - Due Diligence Vendor-01/06/2026 |  | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/16/2026 <br>Resolved-Final CD for new loan on the primary residence provided, indicating both loans were paid off; condition resolved. - Due Diligence Vendor-01/14/2026<br>| XXXXXXXX_1.pdf |  |  | XX | Second Home | Refinance | Cash Out - Other | 6944348 | N/A | N/A |
| 304909453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-06 14:23 | 2026-01-14 16:31 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Final CD for new loan on the primary residence provided, indicating both loans were paid off; condition resolved. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-1/12 XXX: Please see the attached final CD for the property at XX XXX XXX XX, payoffs evident on page 3. - Due Diligence Vendor-01/12/2026 <br> Open-Provide final settlement statement/CD for new loan on primary residence showing both liens paid off and new PITIA payment. - Due Diligence Vendor-01/06/2026 |  | Resolved-Final CD for new loan on the primary residence provided, indicating both loans were paid off; condition resolved. - Due Diligence Vendor-01/14/2026<br>| XXXXXXXX_1.pdf |  |  | XX | Second Home | Refinance | Cash Out - Other | 6943317 | N/A | N/A |
| 305027191 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-15 11:07 | 2026-01-15 11:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/15/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7114664 | Investor Post-Close | No |
| 304909059 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2025-12-16 14:52 | 2025-12-16 14:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/16/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/16/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 6650277 | Investor Post-Close | No |
| 304898228 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2025-12-26 12:02 | 2025-12-26 12:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/26/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/26/2025<br>|  |  |  | XX | Second Home | Purchase | NA | 6816527 | Investor Post-Close | No |
| 305027361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-12 09:28 | 2026-01-16 15:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received LOX. Condition cleared. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-01/15/26 - XX: There is no large deposit of $XX,XXX into XXX xXXXX-X on XX/XX/XXXX. Additionally, the deposit of $XX,XXX.XX was backed out the available balance for XXXXX xXXXX, and XXX only utilized $XX,XXX.XX in funds for qualification. - Due Diligence Vendor-01/15/2026 <br> Open-The following large deposits were not verified/documented: $XX,XXX.XX on XX/XX/XXXX to Asset #4 and $XX,XXX.XX on XX/XX/XXXX to Asset #1. - Due Diligence Vendor-01/12/2026 |  | Resolved-Received LOX. Condition cleared. - Due Diligence Vendor-01/16/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7040892 | N/A | N/A |
| 305027361 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-12 09:30 | 2026-01-16 15:56 | 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-01/16/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/16/2026 <br> Ready for Review-01/15/26 - XX: There is no large deposit of $XX,XXX into XXX xXXXX-X on XX/XX/XXXX. Additionally, the deposit of $XX,XXX.XX was backed out the available balance for XXXXX xXXXX, and XXX only utilized $XX,XXX.XX in funds for qualification. - Due Diligence Vendor-01/15/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing documentation for large deposits. - Due Diligence Vendor-01/12/2026 |  | Resolved-. - Due Diligence Vendor-01/16/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/16/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7040985 | N/A | N/A |
| 304904590 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-12 08:44 | 2026-01-12 08:44 | 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 Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-01/12/2026 |  | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-01/12/2026 |  |  |  | XX | Primary Residence | Purchase | NA | 7037119 | Investor Post-Close | No |
| 305029720 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-16 17:02 | 2026-01-28 10:55 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received the initial CD. Condition cleared. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-XX 1/27 Please see the attached 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-01/27/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-01/16/2026 <br> Open- - Due Diligence Vendor-01/16/2026 |  | Resolved-Received the initial CD. Condition cleared. - Due Diligence Vendor-01/28/2026<br>| XXXXXXXX_1.pdf<br> XXXXXXXX_2.pdf |  |  | XX | Primary Residence | Purchase | NA | 7147211 | N/A | N/A |
| 305029579 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-05-06 16:50 | 2026-05-06 16:50 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | The Appraisal is Missing | Acknowledged-The Appraisal is Missing. "Acknowledged-The appraisal condition can be downgraded. This is actually an error on the purchase criteria. It's meant to not require a second appraisal on a purchase, we just didn't update the maximum loan amount. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 <br> Counter-Please provide an approved Lender exception with compensating factors listed. Condition remains. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-2/18 XX: XXX has agreed to XXXX overlay's that indicate a second appraisal is only required on refinance transactions. Positive factors are present with the borrower being in the same line of work for 10+ years (XXXXXXXX), 807 FICO, DTI 40% and an additional 10+ months of reserves.<br> - Due Diligence Vendor-02/19/2026 <br> Counter-XXXXXXXX XXX XXXXXXXXXXXXRXXXXXXXX XXXXXXXX XXXXXXXX overlays dated XX/XX/XXXX state: One appraisal is acceptable up to $X,XXX,XXX loan amount on Purchase transactions. Subject loan amount is $X,XXX,XXX. Condition remains. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-2/2 XX: According to the guidance Refinance transactions with loan amounts > $X,XXX,XXX will require two (2) appraisals completed by a different appraiser. Appraised value will be the lower of the two appraisals. This loan is a purchase so a 2nd appraisal is not required - Due Diligence Vendor-02/02/2026 <br> Open-The lender's guidelines requires two appraisals and the second appraisal was not provided. Per Note, loan amount is $X,XXX,XXX.XX and transaction is a purchase. Client overlay guidelines require two appraisals for loan amounts greater than $XXXXX for purchase transactions. Loan file contained only one appraisal. - Due Diligence Vendor-01/27/2026" - Due Diligence Vendor-05/06/2026 |  | Acknowledged-The Appraisal is Missing. "Acknowledged-The appraisal condition can be downgraded. This is actually an error on the purchase criteria. It's meant to not require a second appraisal on a purchase, we just didn't update the maximum loan amount. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 <br> Counter-Please provide an approved Lender exception with compensating factors listed. Condition remains. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-2/18 XX: XXX has agreed to XXXX overlay's that indicate a second appraisal is only required on refinance transactions. Positive factors are present with the borrower being in the same line of work for 10+ years (XXXXXXXX), 807 FICO, DTI 40% and an additional 10+ months of reserves.<br> - Due Diligence Vendor-02/19/2026 <br> Counter-XXXXXXXX XXX XXXXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXX overlays dated XX/XX/XXXX state: One appraisal is acceptable up to $X,XXX,XXX loan amount on Purchase transactions. Subject loan amount is $X,XXX,XXX. Condition remains. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-2/2 XX: According to the guidance Refinance transactions with loan amounts > $X,XXX,XXX will require two (2) appraisals completed by a different appraiser. Appraised value will be the lower of the two appraisals. This loan is a purchase so a 2nd appraisal is not required - Due Diligence Vendor-02/02/2026 <br> Open-The lender's guidelines requires two appraisals and the second appraisal was not provided. Per Note, loan amount is $X,XXX,XXX and transaction is a purchase. Client overlay guidelines require two appraisals for loan amounts greater than $XXXXX for purchase transactions. Loan file contained only one appraisal. - Due Diligence Vendor-01/27/2026" - Due Diligence Vendor-05/06/2026 |  |  | Missing Second Appraisal | XX | Primary Residence | Purchase | NA | 9073278 | Investor Post-Close | No |
| 305029280 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-02-25 11:06 | 2026-03-05 10:55 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-No further action is required. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-3/2 XX: Please confirm what it is still needed from the lender to get this cleared. - Due Diligence Vendor-03/02/2026 <br> Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/25/2026 |  | Acknowledged-No further action is required. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/05/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7802748 | Investor Post-Close | No |
| 305031451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-02-11 14:08 | 2026-02-11 14:08 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/11/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7566646 | Investor Post-Close | No |
| 304933521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2025-12-14 13:39 | 2025-12-15 05:21 | 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 - Due Diligence Vendor-12/14/2025 |  | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-12/14/2025 |  |  |  | XX | Primary Residence | Purchase | NA | 6616560 | Investor Post-Close | No |
| 304898866 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-07 05:42 | 2026-03-12 16:31 | Resolved | 1 - Information | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Audited Reserves of 1.52 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) allowed by client overlays. - Due Diligence Vendor-03/12/2026 <br> Resolved-Lender Overlay require reserves as required by the AUS for loan amounts below $X,XXX,XXX; condition resolved. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-1/12 XX: The reserve requirements for Jumbo 30 Year Fixed - XXXX loans with a loan amount of $XXX,XXX: For Purchase and Rate/Term Refinances:<br> The reserves are determined by DU/LPA (Desktop Underwriting/Loan Product Advisor) findings <br>Please see attached document that shows no required reserves for this loan. - Due Diligence Vendor-01/12/2026 <br> Open-Audited Reserves of 1.52 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-01/07/2026 |  | Resolved-Audited Reserves of 1.52 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) allowed by client overlays. - Due Diligence Vendor-03/12/2026 <br> Resolved-Lender Overlay require reserves as required by the AUS for loan amounts below $X,XXX,XXX; condition resolved. - Due Diligence Vendor-01/14/2026 | XXXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | 6954404 | N/A | N/A |
| 304911418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2025-12-18 09:23 | 2025-12-18 09:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/18/2025 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/18/2025<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6682892 | Investor Post-Close | No |
| 305024067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-12 09:28 | 2026-01-12 09:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/12/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/12/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7040867 | Investor Post-Close | No |
| 305013268 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-02 08:57 | 2026-01-02 08:57 | 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>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6892860 | Investor Post-Close | No |
| 305028238 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-03-10 15:15 | 2026-03-10 15:15 | 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. 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-03/10/2026 |  | 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. 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-03/10/2026<br>|  |  |  | XX | Second Home | Refinance | No Cash Out - Borrower Initiated | 8029988 | Investor Post-Close | No |
| 305029628 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-03 13:43 | 2026-01-03 13:43 | 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 - Due Diligence Vendor-01/03/2026 |  | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-01/03/2026 |  |  |  | XX | Primary Residence | Purchase | NA | 6906344 | Investor Post-Close | No |
| 305028147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-19 08:01 | 2026-01-19 08:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/19/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/19/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7163344 | Investor Post-Close | No |
| 304903053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-05 12:20 | 2026-05-07 05:54 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Attached - Due Diligence Vendor-01/16/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-01/05/2026 |  | Resolved-Sufficient E-Consent documentation for appraisal delivery provided. - Due Diligence Vendor-01/21/2026<br>| XXXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | 6918269 | N/A | N/A |
| 304903053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-08 12:21 | 2026-03-09 14:10 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-. - Due Diligence Vendor-01/21/2026 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/21/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing documentation to evidence the monthly property tax, hazard insurance, and XXX dues (if applicable) for the property disclosed on line 3A of the final loan application. - Due Diligence Vendor-01/08/2026 |  | Resolved-. - Due Diligence Vendor-01/21/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/21/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6989942 | N/A | N/A |
| 304903053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-05 12:29 | 2026-01-22 10:58 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received verification of XXXXX fees. Condition cleared. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-attached - Due Diligence Vendor-01/21/2026 <br> Counter-Received rebuttal stating REO 3a is a XXXXX, XXX are part of the XXXXX dues, and the info was previously provided. The only doc XXXX can find is HOI. $XXXX.XX/month is listed on the 1003 and this amount must be verified. Please provide verification of the XXXXX dues. Condition remains. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Attached - Due Diligence Vendor-01/16/2026 <br> Open-Missing documentation to evidence the monthly property tax, hazard insurance, and XXX dues (if applicable) for the property disclosed on line 3A of the final loan application. - Due Diligence Vendor-01/05/2026 |  | Resolved-Received verification of XXXXX fees. Condition cleared. - Due Diligence Vendor-01/22/2026<br>| XXXXXXXX_1.pdf<br> XXXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | 6918414 | N/A | N/A |
| 304903053 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-08 13:29 | 2026-01-21 09:20 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Attached - Due Diligence Vendor-01/16/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-01/08/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/21/2026<br>| XXXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | 6991462 | N/A | N/A |
| 304896759 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2025-12-16 08:42 | 2026-01-21 15:55 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider with Scrivener's Affidavit provided. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-loi, scriveners aff, signed pud and mtg page 2 upld - Due Diligence Vendor-01/13/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-12/16/2025 |  | Resolved-PUD Rider with Scrivener's Affidavit provided. - Due Diligence Vendor-01/15/2026<br>| XXXXXXXX_1.pdf |  |  | XX | Second Home | Purchase | NA | 6640909 | N/A | N/A |
| 304896759 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2025-12-22 13:34 | 2026-01-21 13:40 | Acknowledged | 2 - Non-Material | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Acknowledged-Per client: Since we have the 1004D on the appraisal with the lower valuation, we are okay downgrading this condition. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/21/2026 <br> Counter-Due to the loan size being > $XX, 2 full appraisals were required per guidelines and overlays. 1004D not provided from XXXXXX XXXXXXXX XXXXXXXX. condition remains open. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-rebuttal upld - Due Diligence Vendor-01/13/2026 <br> Counter-Primary Value Subject Property Appraisal is not on an As-Is Basis. Received 1004D completed by XXX XXXXXXXXX. Missing completion cert for the appraisal completed by XXXXXX XXXXXXXXX XXXX XXXX. Condition remains. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-1004d upld - Due Diligence Vendor-01/02/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis Missing 1004D for appraisal with completed date of XX/XX/XXXX. - Due Diligence Vendor-12/22/2025 |  | Acknowledged-Per client: Since we have the 1004D on the appraisal with the lower valuation, we are okay downgrading this condition. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/21/2026<br>| XXXXXXXX_1.pdf<br> XXXXXXXX_1.pdf |  |  | XX | Second Home | Purchase | NA | 6743708 | Investor Post-Close | No |
| 304896759 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2025-12-16 08:01 | 2026-01-05 12:19 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-proof econsent accepted upld - Due Diligence Vendor-01/02/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-12/16/2025 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/05/2026<br>| XXXXXXXX_1.pdf |  |  | XX | Second Home | Purchase | NA | 6640034 | N/A | N/A |
| 304893525 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2025-12-22 13:44 | 2026-01-09 10:57 | 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. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/09/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/09/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 6743835 | Investor Post-Close | No |
| 304893718 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2025-12-16 08:50 | 2026-01-02 13:30 | 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. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/02/2026 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/02/2026<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6641116 | Investor Post-Close | No |
| 304902297 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2025-12-18 10:16 | 2026-03-06 15:38 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Attached - Due Diligence Vendor-01/08/2026 <br> Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXXXX - Due Diligence Vendor-12/18/2025 |  | Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-01/14/2026 | XXXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | 6684676 | N/A | N/A |
| 305030913 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Closed | 2026-01-19 08:24 | 2026-01-22 11:17 | 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. Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/19/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/19/2026<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7163740 | Investor Post-Close | No |

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## Exhibit 99.24

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

**Exhibit 99.24**

---

| | | | | |
|:---|:---|:---|:---|:---|
|  | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **ALT ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 305013317 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 304898438 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305031098 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305042988 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 304911027 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305024069 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 305027052 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX C A |
| 304904412 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX B A |
| 305027048 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 304826854 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305029721 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 304871519 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 304909453 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX D C A |
| 304909452 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305027191 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 305012715 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 304893918 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 304909059 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 305012768 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305013433 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 304993694 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 304898228 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 305027361 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX D C A |
| 304904632 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 304904590 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX B A |
| 305013432 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305029720 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A C |
| 305031601 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305029579 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX B A |
| 305029280 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 305031451 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 305046026 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 304897625 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 304933521 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX B A |
| 304898866 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX C A |
| 304911418 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 304908538 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305024067 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 305013268 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 305027201 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305024856 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305025996 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305028238 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 305028231 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305029628 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX B A |
| 305028227 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305028217 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305029631 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305013392 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 305028147 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 304909771 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A |
| 304903053 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX D C A |
| 304896759 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A D C B |
| 304893525 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 304893718 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |
| 304902297 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX C A |
| 305030913 | XXXXXXX | XXXXXXX | XXXXXX | $XXXXXX A B |

---

## Exhibit 99.25

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

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 305013317 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304898438 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305031098 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| 305042988 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | None - Appraisal Waiver | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | -.0243 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXX | -.0243 | 97.0 | 0.03 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304911027 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305024069 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
| 305027052 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XX/XX/XXXX | Not Eligible | 2 | XX/XX/XXXX |
| 304904412 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305027048 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| 304826854 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 89.99 | 89.99 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305029721 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 79.61 | 79.61 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304871519 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70.44 | 70.44 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304909453 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 60.58 | 60.58 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 304909452 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 69.2 | 69.2 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible |  |  |
| 305027191 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | $XXXXXX | -.0119 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXX | -.0119 | 95.0 | 0.05 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XX/XX/XXXX |
| 305012715 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0074 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXX | .0074 | 97.0 | 0.03 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304893918 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible | 2.4 | XX/XX/XXXX |
| 304909059 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0051 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXX | .0051 | 94.0 | 0.06 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XX/XX/XXXX |
| 305012768 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 73.5 | 73.5 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| 305013433 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304993694 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 304898228 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXX | .0000 | 90.0 | 0.1 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| 305027361 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 79.41 | 79.41 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304904632 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 78.95 | 78.95 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304904590 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305013432 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 62.05 | 62.05 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029720 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 74.85 | 74.85 | $XXXXXX | $XXXXXX | -.0084 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXX | -.0084 | 94.0 | 0.06 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305031601 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | -.0245 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXX | -.0245 | 94.0 | 0.06 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029579 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305029280 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 78.37 | 78.37 | $XXXXXX | $XXXXXX | -.0588 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXX | -.0588 | 94.0 | 0.06 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
| 305031451 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XX/XX/XXXX |
| 305046026 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 2.4 | XX/XX/XXXX |
| 304897625 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 73.76 | 73.76 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| 304933521 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 304898866 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 79.98 | 79.98 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304911418 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 78.63 | 78.63 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XX/XX/XXXX |
| 304908538 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible |  |  |
| 305024067 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| 305013268 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 74.73 | 74.73 | $XXXXXX | $XXXXXX | -.0705 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXX | -.0705 | 95.0 | 0.05 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XX/XX/XXXX | Not Eligible |  |  |
| 305027201 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 305024856 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| 305025996 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 89.97 | 89.97 | $XXXXXX | $XXXXXX | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX | Eligible |  |  |
| 305028238 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 76.96 | 76.96 | $XXXXXX | $XXXXXX | -.2208 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXX | -.2208 | 75.0 | 0.25 | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305028231 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 79.29 | 79.29 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| 305029628 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX | Eligible | 2.3 | XX/XX/XXXX |
| 305028227 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 79.7 | 79.7 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| 305028217 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXX | .0000 | 96.0 | 0.04 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305029631 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 76.36 | 76.36 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1.4 | XX/XX/XXXX |
| 305013392 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 87.36 | 87.36 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| 305028147 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
| 304909771 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 65.52 | 65.52 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| 304903053 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75.0 | 75.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX | Eligible | 1 | XX/XX/XXXX |
| 304896759 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  | $XXXXXX | $XXXXX | -.0025 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| 304893525 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Moderate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  | 1 | XX/XX/XXXX |
| 304893718 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0.0 | .0000 | XXXXXXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| 304902297 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| 305030913 | XXXXXXX | XXXXXX | XXXXXX | XX/XX/XXXX | $XXXXXXX | $XXXXXXX | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80.0 | 80.0 | $XXXXXX | 0.0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |

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