CITIGROUP MORTGAGE LOAN TRUST INC. ABS-15G

 

Exhibit 99.1

Schedule 2(a) - Non-Seasoned Credit Compliance Report I

 

 

 

Loan Level Exception - Final Grades

Run Date - 6/17/2026 3:13:53 PM

                                                        FINAL CREDIT LOAN GRADES FINAL COMPLIANCE LOAN GRADES FINAL PROPERTY LOAN GRADES FINAL OVERALL LOAN GRADES
AMC Loan ID Edgar Loan ID Seller Loan ID Borrower Name Deal Number Original Loan Amount State Note Date Occupancy Purpose QM Status Overall Grade Credit Grade Credit Exceptions Credit Exception Information Credit Exception Comments Property Grade Property Exceptions Property Exception Information Property Exception Comments Compliance Grade Compliance Exceptions Compliance Exception Information Compliance Exception Comments Compliance Comp Factors Compensating Factors Subject to High Cost - Unable to Test Disposition 2 DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P
  CMLTI 2026-LTV1-10331   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Exempt from ATR 2 1       2 [2] Appraisal Documentation - Loan is to be securitized, and was originated with an Appraisal Waiver. Supporting secondary BPO was provided. Sec ID: 30: Note Date:  [Redacted]; Lien Position: 1 Stated value of  [Redacted] was supported by BPO  [Redacted].   1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee.  Fee Amount of $45.00 exceeds tolerance of $43.00.  Sufficient or excess cure was provided to the borrower at Closing. (7575)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A B B B B B B B B B B
  CMLTI 2026-LTV1-10004   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10009   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Non QM 2 2 [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 5.78 is less than Guideline PITIA months reserves of 6.00. Available assets are of [Redacted] which are insufficient for 6 months reserves requirements. SELLER - GENERAL COMMENT [Redacted]: LOE
SELLER - GENERAL COMMENT [Redacted]: CD
SELLER - GENERAL COMMENT [Redacted]: PCCD
SELLER - GENERAL COMMENT [Redacted]: LE
REVIEWER - GENERAL COMMENT [Redacted]: Buyer to review.  Lender exception at the time of origination not in file for not meeting reserve requirement.
REVIEWER - WAIVED COMMENT [Redacted]: Client elects to downgrade based on compensating factors.		 1       2 [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match.  However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan).  Fee Amount of $8.60 exceeds tolerance of $7.00.  Insufficient or no cure was provided to the borrower. (7579)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan).  Fee Amount of $8.60 exceeds tolerance of $7.00.  Sufficient or excess cure was provided to the borrower at Closing. (7579)		 Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee  increased on [Redacted] Closing Disclosure with no valid change evident.
Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient cure provided at closing		 REVIEWER - WAIVED COMMENT [Redacted]: Waived
SELLER - GENERAL COMMENT [Redacted]: LOE
SELLER - GENERAL COMMENT [Redacted]: PCCD
SELLER - GENERAL COMMENT [Redacted]: CD
SELLER - GENERAL COMMENT [Redacted]: LE
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received PCCD with cure, missing copy of refund check and LOE. Please provide LOE and copy of refund check to cure the exception.
SELLER - GENERAL COMMENT [Redacted]: Can we provide a principal reduction instead of the refund check as it would be a faster process?
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted]: Payment history for principal reduction is acceptable to cure this exception. But we also required PR for cure documents
 with consists of corrected CD, LOX and payment history to reflects Principal reduction for cure exceeding legal limits P.O.C. Lender or provide copy of refund check and LOE to borrower to complete remediation.
SELLER - GENERAL COMMENT [Redacted]: Please see attached
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received Letter of Explanation, Payment history and Corrected CD.
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing		 Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.

Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.		 Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

The representative FICO score is above 680.		   - B B B B B B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10006   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 8.13318% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount  [Redacted]). FNMA Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted]  (an overage of [Redacted] or 3.13318%).           - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10005   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Prima[Redacted]024)
[2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 5.57963% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2024). FNMA Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted] and $1000.00 (2024) (an overage of $1,732.50 or .57963%).		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Appraisal report dated [Redacted] is missing evidence of receipt.
Federal Compliance - FNMA Points and Fees: Points and Fees total [Redacted] vs. an investor allowable total of [Redacted] for an overage of $1,732.50		   Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10332   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10007   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 7.79648% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2025). FNMA Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted] and $1000.00 (2025) (an overage of [Redacted] or 2.79648%).
[2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow -  Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. (Fin[Redacted]025)		 Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow -  Reason: Final Closing Disclosure provided on [Redacted] did not disclose a reason for not having an escrow account on page 4. SELLER - GENERAL COMMENT [Redacted]: This is Non-QM Investment property.  Points and Fees would not apply to this loan
REVIEWER - WAIVED COMMENT [Redacted]: EV2
SELLER - GENERAL COMMENT [Redacted]: See attached, escrow waiver was signed at closing
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] Received Corrected PCCD; however, LOE not received. Provide LOE to the borrower describing the changes made on PCCD.
SELLER - GENERAL COMMENT [Redacted]: LOE and PCCD attached
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received Letter of explanation and Corrected Closing disclosure.		 Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow -  Reason: TILA - 1yr affirmative,  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10010   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 3 1       1       3 [3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.17770% or Final Disclosure APR of 9.28800% is equal to or greater than the threshold of APOR 7.07% + 1.5%, or 8.57000%.  Compliant Higher Priced Mortgage Loan.
[2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test.  Points and Fees on subject loan of 3.23148% is in excess of the investor allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of $1,184.79 or .23148%).		 Federal Compliance - Federal HPML 2014 Compliant: Compliant HPML, nothing required from lender.  Investor to review for approval.   Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.     FHPML - Compliant A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10008   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Exempt from ATR 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]024)   BUYER - WAIVED COMMENT [Redacted]: Seller accepts with no change in grading       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10011   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10013   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 3 2 [2] Document Error - Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.: Borrower: [Redacted], Borrower:  [Redacted]
[2] General - Missing Document: Verification of Non-US Citizen Status not provided		 A copy of borrower's non-permanent resident alien card not included in file.
A copy of borrower's non-permanent resident alien card not included in file.		 SELLER - GENERAL COMMENT [Redacted]: ITIN, photo IDs including DL and EAD card
REVIEWER - GENERAL COMMENT [Redacted]: Please provide valid authorization card for borrower [Redacted].
REVIEWER - WAIVED COMMENT [Redacted]: Client elects to downgrade based on compensating factors.
SELLER - GENERAL COMMENT [Redacted]: see ID docs uploaded
REVIEWER - GENERAL COMMENT [Redacted]: Please provide valid authorization card for borrower [Redacted].
REVIEWER - WAIVED COMMENT [Redacted]: Client elects to downgrade based on compensating factors.		 1       3 [3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.57177% or Final Disclosure APR of 8.75400% is equal to or greater than the threshold of APOR 6.86% + 1.5%, or 8.36000%.  Compliant Higher Priced Mortgage Loan.
[2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match.  However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.
[2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test.  Points and Fees on subject loan of 4.49303% is in excess of the investor allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of $7,323.14 or 1.49303%).
[2] Federal Compliance - RESPA -  Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.		 Federal Compliance - Federal HPML 2014 Compliant: Compliant HPML, nothing required from lender.  Investor to review for approval.
Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: LD restated
Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: LD restated
Federal Compliance - RESPA -  Initial Escrow Account statement Inaccurate: [Redacted] CD indicates a total in section G for the initial escrow payment at closing of $3,667.68 however, the Initial Escrow Account Disclosure reflects an initial deposit of $6,112.88.		 REVIEWER - WAIVED COMMENT [Redacted]: Waived
REVIEWER - WAIVED COMMENT [Redacted]: waived
REVIEWER - WAIVED COMMENT [Redacted]: waived		 Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.

Federal Compliance - RESPA -  Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.		 Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   FHPML - Compliant B B B B B B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10014   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 3 1       1       3 [3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.46703% or Final Disclosure APR of 8.55600% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%.  Compliant Higher Priced Mortgage Loan. Federal Compliance - Federal HPML 2014 Compliant: APR on subject loan of 8.46703% or Final Disclosure APR of 8.55600% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%. Compliant Higher Priced Mortgage Loan. SELLER - GENERAL COMMENT [Redacted]: notes on HPML
REVIEWER - WAIVED COMMENT [Redacted]: Waived		 Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.     FHPML - Compliant A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10018   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Non QM 2 1       1       2 [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test.  Points and Fees on subject loan of 3.05316% is in excess of the investor allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of $221.82 or .05316%).   SELLER - GENERAL COMMENT [Redacted]: hi. is there anything else you need from us to clear this loan?
REVIEWER - WAIVED COMMENT [Redacted]: EV2		       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10015   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated[Redacted]as received[Redacted]ith Note date of[Redacted]issing evidence of waiver.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10017   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 3 1       1       3 [3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.26192% or Final Disclosure APR of 9.27700% is equal to or greater than the threshold of APOR 6.88% + 1.5%, or 8.38000%.  Compliant Higher Priced Mortgage Loan.
[2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test.  Points and Fees on subject loan of 4.51936% is in excess of the investor allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of $6,827.91 (an overage of $3,458.03 or 1.51936%).		 Federal Compliance - Federal HPML 2014 Compliant: Appraisal disclosure provided. REVIEWER - GENERAL COMMENT [Redacted]: EXCEPTION HISTORY - Exception Detail was updated on [Redacted] PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.26192% or Final Disclosure APR of 9.27700% is equal to or greater than the threshold of APOR 6.83% + 1.5%, or 8.33000%.  Compliant Higher Priced Mortgage Loan.
REVIEWER - WAIVED COMMENT [Redacted]: waived
REVIEWER - WAIVED COMMENT [Redacted]: Waived		 Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.     FHPML - Compliant A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10016   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10333   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025)
[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $500.00 exceeds tolerance of $325.00 plus 10% or $357.50.  Sufficient or excess cure was provided to the borrower at Closing. (0)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt. REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10334   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Rate/Term N/A 3 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Commitment in file.   REVIEWER - WAIVED COMMENT [Redacted]: waived 3 [3] Value Discrepancy - Loan is to be securitized. CU and LCA results are contradictory. AVM does not support the value used to qualify. Vendor/FSD do not meet Fitch criteria. Sec ID: 131: Note Date:  [Redacted]; Lien Position: 1     2 [2] Federal Compliance - 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. (Type:Seconda[Redacted]025)
[2] Federal Compliance - 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. (Client:448[Redacted]025)
[2] Federal Compliance - 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. (Client:448[Redacted]025)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $198.00 exceeds tolerance of $96.00.  Insufficient or no cure was provided to the borrower. (7520)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee increased on [Redacted] Closing Disclosure with no valid change evident, cure on Closing Disclosure was not sufficient for additional tolerance violation.		 REVIEWER - WAIVED COMMENT [Redacted]: waived
REVIEWER - WAIVED COMMENT [Redacted]: waived
REVIEWER - WAIVED COMMENT [Redacted]: waived
SELLER - GENERAL COMMENT [Redacted]: COC
REVIEWER - GENERAL COMMENT [Redacted]: SitusAMC received Changed Circumstance dated [Redacted], but it does not give sufficient information on what impacts and why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.
SELLER - GENERAL COMMENT [Redacted]: The loan application date is [Redacted], an updated credit report/supplemental was required. Fee increased from $96 to $110
The increase from $110 to $198 = $88 increase was cured at closing
REVIEWER - GENERAL COMMENT [Redacted]: SitusAMC received rebuttal that credit supplement was required due to credit expiry however, the revised credit report in file is of dated XXXX but the fee was increased on LE dated XXXX which is not within required 3 business days. Please provide more information for timeline of cure would be required.
SELLER - GENERAL COMMENT [Redacted]: cure
REVIEWER - CURED COMMENT [Redacted]: SitusAMC received Letter of Explanation, Payment History and Corrected CD.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - B B B B B B B B B B A A A C A B B B C B
  CMLTI 2026-LTV1-10335   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,378.30 exceeds tolerance of $1,373.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10336   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10337   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       2 [2] Appraisal Documentation - Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10: Note Date:  [Redacted]; Lien Position: 1 UCDP missing in file, but an AVM was provided, which supports value.  The AVM has an FSD score of 0.04 which does not meet Fitch criteria.   1             - A A A A A A A A A A A D A A A A D A A A
  CMLTI 2026-LTV1-10338   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10029   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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 [Redacted],  Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted].
[1] Federal Compliance - 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 $160.00 exceeds tolerance of $153.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)
[1] Federal Compliance - 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 $880.00 exceeds tolerance of $775.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)
[1] Federal Compliance - 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 $880.00 exceeds tolerance of $775.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)		   SELLER - GENERAL COMMENT [Redacted]: [Redacted] AMB: Please note that the borrower provided the necessary extension forms for their personal and business returns for [Redacted], attached below. This is acceptable per guidelines, please confirm what is still needed to clear this condition?
REVIEWER - WAIVED COMMENT [Redacted]: Nothing required.
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing		       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10339   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10019   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10028   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10021   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt, SELLER - GENERAL COMMENT [Redacted]: Proof appraisal sent to borrowers [Redacted]
SELLER - GENERAL COMMENT [Redacted]: Appraisal effective date is[Redacted], email date is [Redacted]
REVIEWER - GENERAL COMMENT [Redacted]: Appraisal dated [Redacted] was not received [Redacted].  Effective date is not the date that is being compared.
SELLER - GENERAL COMMENT [Redacted]: The reason the Appraisal delivery date is [Redacted] is the appraisal was transferred from the old loan # [Redacted] to the new loan # [Redacted].
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] report receipt needed to resolve.
SELLER - GENERAL COMMENT [Redacted]: Proof appraisal was resent to borrowers and LOX stating loan file was restarted and the appraisal from the first file was reused on the new file.
REVIEWER - WAIVED COMMENT [Redacted]: EV2		       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10051   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10340   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025)
[2] Federal Compliance - 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 $125.00 exceeds tolerance of $0.00.  $125.00 over legal limit.  Insufficient or no cure was provided to the borrower. (75103)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Re-Inspection Fee. was added on closing Disclosure issued on [Redacted], with no valid change evident.		 SELLER - GENERAL COMMENT [Redacted]: COC regarding inspection fee
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] Appraisal in file is date [Redacted] and Appraisal re-inspection fee added on CD dated [Redacted] is not within 3 days timeline. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.
SELLER - GENERAL COMMENT [Redacted]: cure
REVIEWER - CURED COMMENT [Redacted]: [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10341   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       2 [2] Appraisal Documentation - Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10: Note Date:  [Redacted]; Lien Position: 1   REVIEWER - WAIVED COMMENT [Redacted]: EV2 2 [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redacted] is over disclosed by $131.70 compared to the calculated Amount Financed of [Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). (Fin[Redacted]025)
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of [Redacted] is under disclosed by $131.70 compared to the calculated Finance Charge of [Redacted] which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). (Fin[Redacted]025)
[1] Federal Compliance - 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 $144.50 exceeds tolerance of $116.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)		 Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Amount Financed over disclosed by $131.70, Refund letter and Check made payable to borrower were provided however missing evidence of receipt.
Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance charge under disclosed by $131.70,  Refund letter and Check made payable to borrower were provided however missing evidence of receipt.		 SELLER - GENERAL COMMENT [Redacted]: Cure
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD
SELLER - GENERAL COMMENT [Redacted]: Cure
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing		 Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.		     - A A A A A B B B B B A D A A A B D B B B
  CMLTI 2026-LTV1-10026   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]024) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated[Redacted] with Note date of[Redacted] missing evidence of waiver. REVIEWER - WAIVED COMMENT [Redacted]: EV2       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10027   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 2 [2] Miscellaneous - Credit Exception:
[2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 7.60 is less than Guideline PITIA months reserves of 12.00.		 Property type is condotel.
Reserve requirements not met.  Lender approved exception with verified compensating factors.		 REVIEWER - WAIVED COMMENT [Redacted]: Lender exception in file.
REVIEWER - WAIVED COMMENT [Redacted]: Lender exception in file.		 1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The qualifying DTI on the loan is at least 10% less than the guideline maximum.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10022   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Rate/Term N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10023   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Non QM 2 1       1       2 [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test.  Points and Fees on subject loan of 3.30764% is in excess of the investor allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of $2,089.76 or .30764%).   SELLER - GENERAL COMMENT [Redacted]: hi, anything needed from [Redacted] on this one?
REVIEWER - WAIVED COMMENT [Redacted]: waived		       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10291   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 3 1       1       3 [3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.17923% or Final Disclosure APR of 8.19600% is equal to or greater than the threshold of APOR 6.32% + 1.5%, or 7.82000%.  Compliant Higher Priced Mortgage Loan. Federal Compliance - Federal HPML 2014 Compliant: Compliant HPML, nothing required from lender. Investor to review for approval. REVIEWER - WAIVED COMMENT [Redacted]: waived Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.     FHPML - Compliant A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10033   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $372.90 exceeds tolerance of $244.00 plus 10% or $268.40.  $104.50 over legal limit.  Insufficient or no cure was provided to the borrower. (0) Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% fee violation due to an increase in the Recording fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $104.50, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. BUYER - GENERAL COMMENT [Redacted]: Please see attached. The recording fee did not change from the original LE to the final CD. A tax fee was moved from the transfer taxes to the recording fees, which made it appear the fees were increased. The attached documents are our pricing breakdown.

The frist two pages are from[Redacted] You will see there are 3 recording fees ($52 + $192 + $125). The last page is from [Redacted] which also shows the 3 recording fees ($52 + $162 + $125). This confirms the fees did not incease from the first LE to the last CD.

Please also see pages 119-123 of the loan file. The difference in the recording fees between the[Redacted]LE and the[Redacted]LE can be calculated by reviewing the transfer taxes. The[Redacted]LE is the first LE to add the $125 recording fee to the recording fee line. It had been previously reported on the transfer taxes line. This is why the transfer taxes decreases by $125 on the same LE the recording fees increase by the same amount.
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received valid rebuttal comment. However, the recording fee previously reported on the transfer taxes line and later it was moved to recording fee line is not a valid COC to re-baseline this exception. Provide valid COC for the fee was increased or Cure would be due to borrower.
REVIEWER - GENERAL COMMENT [Redacted]: Received rebuttal response and documentation provided to explain difference in recording fee and other taxes amount disclosed on the[Redacted]initial LE to the[Redacted]final LE.  Based on this information, $125 recording fee was incorrectly disclos[Redacted]mped into transfer taxes instead of including in the proper section (Recording Fee).  Note, the SFA Grid provides that "While fee naming conventions is outside of scope, for purposes of fee tolerance testing, creditors should ensure that fee names used are substantially consistent across all disclosures and describes the actual service or function representing the cost. The regulations require creditors to label the loan costs using terminology that describes each item clearly and conspicuously and describes the service or administrative function that the charge pays for in a manner that is reasonably understood by consumers (37(f)(5)-1 ).  Further, note that 1026.19(e)(3)(i) and (ii) provides that estimated closing costs disclosed under § 1026.19(e) is not in good faith if the charge paid by or imposed on the consumer exceeds the amount originally disclosed.

Although the aggregate amount of transfer taxes and recording fees did not appear to increase based on documentation provided, these are 2 distinct charges and services and subject to different good faith tolerance categories.  SFA TRID Grid Additional Considerations # 35 also states:  "However, for distinctly different fees or fee descriptions that represent different costs or services or purpose, TPRs will NOT consider these the same fee(s) for tolerance testing purposes. Additional documentation or, if name was incorrectly disclosed on the CD, a revised disclosures to reflect actual name for fe[Redacted]rvices provided, will be required to address fee tolerance and other violations resulting from incorrect or inconsistent use of fee names. A verbal explanation or rebuttal comment indicating that certain fees are the same will not be sufficient."  As there is documentation to support the incorrect fee placement and recording fees and transfer taxes are within tolerance, exception has been regraded to EV2-B to acknowledge that there is supporting documentation provided that charges did not increase beyond tolerance, however, exception is cited as an EV2-B vs. cleared for visibility as the estimated amount for recording fee disclosed to the borrower on the LE versus the actual recording fee disclosed at consummation reflect an increase on the face of the disclosure resulting from incorrect fee placeme[Redacted]sclosure.
BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change to grading.		       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10034   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Higher Priced QM (APOR) 3 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Commitment in file.   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change to grading. 1       3 [3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.89048% or Final Disclosure APR of 7.85900% is equal to or greater than the threshold of APOR 6.32% + 1.5%, or 7.82000%.  Compliant Higher Priced Mortgage Loan.     Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.     FHPML - Compliant B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10035   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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.   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change in grading Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10036   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10037   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10038   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10039   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing Test: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. (Inter[Redacted]025) Federal Compliance - TRID Revised Loan Estimate Timing Before Closing Test: Regraded to EV2-B as the Revised LE issued [Redacted] missing proof of receipt within 4 business days prior to closing, but Final LE [Redacted] was received at least 4 business days prior to closing. BUYER - WAIVED COMMENT [Redacted]: seller accepts; no change to grading. Federal Compliance - TRID Revised Loan Estimate Timing Before Closing Test: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10040   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Commitment in file.   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change in grading 1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10041   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Higher Priced QM (APOR) 3 1       1       3 [3] State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): [Redacted] Higher-Priced Loan: APR on subject loan of 7.77038% or Final Disclosure APR of 7.77300% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%.  Compliant Higher Priced Loan.
[3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.77038% or Final Disclosure APR of 7.77300% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%.  Compliant Higher Priced Mortgage Loan.		     State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Assignee Liability is unclear.  The provisions of the Act may only be enforced by the Attorney General or the licensed person’s licensing agency.  Any person who willfully and knowingly violates any provision of the Act shall be liable for a civil penalty of not more than $10,000 for each violation. A prepayment penalty or yield spread premium provision of a higher-priced mortgage loan that violates the Act shall be unenforceable.

Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.		     State HPML - Compliant A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10042   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 2 [2] Document Error - The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change in grading 1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10043   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10044   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10045   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in “Other” section where regulation requires insurance to be disclosure under “Homeowner’s Insurance” section. Disclosure requirement met, non-material exception for incorrect format/placement. (Fin[Redacted]025)   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change to grading. Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA - 1yr affirmative,  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10046   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Commitment in file.   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change in grading 1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10047   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10048   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10049   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. (Fin[Redacted]025)   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges the exception, no change to grading. Federal Compliance - TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Material violations for inaccurate disclosures carry assignee liability.
Non-material if amounts disclosed includes both borrower and non-borrower paid escrow amounts.		     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10050   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10053   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Higher Priced QM (APOR) 2 1       1       2 [2] Federal Compliance - 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). Federal Compliance - Check Restated Loan Designation Match - QM / ATR: LD restated REVIEWER - WAIVED COMMENT [Redacted]: waived Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.     - A A A A A A B B B A A A A A A A B B B A
  CMLTI 2026-LTV1-10054   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10055   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10056   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10057   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10062   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: Earlier receipt was not provided.   Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver Test: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10065   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10066   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10068   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10069   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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 [Redacted],  Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. [Redacted] Federal Compliance - Self-Employed Tax Return Recency - QM: Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent.  Exception can be left open or waived as it cannot be cured or cleared.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10072   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10075   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10076   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]024) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal sent on [Redacted].  Default receipt date is [Redacted], which is less than 3 business days prior to Note date ([Redacted]).  Neither compliant borrower’s acknowledgment of receipt nor waiver of delivery timing requirements provided.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10078   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Refinance Cash-out - Other Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]024)
[2] Federal Compliance - 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 [Redacted],  Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. (Naumann,William The Naumann Law Firm, PC/S-Corp)
[2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Initi[Redacted]024)
[2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Inter[Redacted]024)
[2] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular APR Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.
[2] Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure issued on [Redacted] contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation.
[2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date >  Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Initi[Redacted]024)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated[Redacted] missing evidence of receipt.
Federal Compliance - Self-Employed Tax Return Recency - QM: Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent.  Exception can be left open or waived as it cannot be cured or cleared.
Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Issue date was left blank on incomplete Closing Disclosure, it appears issue date was[Redacted] due to time stamp, Missing affidavit from lender that this disclosure was never provided to consumer.
Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Issue date was left blank on incomplete Closing Disclosure, it appears issue date was[Redacted] due to time stamp, Missing affidavit from lender that this disclosure was never provided to consumer.
Federal Compliance - TRID Interim Closing Disclosure Timing Irregular APR Change: Incomplete Closing Disclosures printed[Redacted] and[Redacted] are missing APR.  Missing affidavit from lender that these disclosures was never provided to consumer.
Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: Incomplete Closing Disclosure printed [Redacted] has incorrect product.  Missing affidavit from lender that this disclosure was never provided to consumer.
Federal Compliance - TRID Revised Loan Estimate Issue and Received Date >  Closing Disclosure Issue and Received Date: Incomplete Closing Disclosure printed[Redacted] is prior to Loan Estimate.  Missing affidavit from lender that this closing disclosure was never provided to consumer.		 SELLER - GENERAL COMMENT [Redacted]: Please see response from Underwriting.
REVIEWER - GENERAL COMMENT [Redacted]: EV2 may remain open.		 Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Interim Closing Disclosure Timing Irregular APR Change: TILA - 1yr affirmative,  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Interim Closing Disclosure Timing Product Change: TILA - 1yr affirmative,  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Revised Loan Estimate Issue and Received Date >  Closing Disclosure Issue and Received Date: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.		     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10342   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 2 [2] Document Error - The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Prelim title is blank   1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,206.15 exceeds tolerance of $1,169.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10343   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10344   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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 [Redacted],  Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. [Redacted]           - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10345   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10346   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10347   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10348   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10349   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10350   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10351   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Prima[Redacted]025)
[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Seconda[Redacted]025)
[2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redacted] is over disclosed by $75.00 compared to the calculated Amount Financed of [Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). (Fin[Redacted]025)
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of [Redacted] is under disclosed by $75.00 compared to the calculated Finance Charge of [Redacted] which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). (Fin[Redacted]025)		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Missing evidence of receipt.
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Missing evidence of receipt.
Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Amount Financed over-disclosed $75.00.  It appears lender did not include Tax Service Fee as finance charge.
Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance Charge underdisclosed $75.00.  It appears lender did not include Tax Service Fee as finance charge.		 SELLER - GENERAL COMMENT [Redacted]: cure
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure, proof of mailing and copy of unexecuted RTC.  FedEx tracking does not reflect the package has been delivered to borrower, in order to finalize the reopening of rescission portion of the cure, must provide proof of delivery of the package and must be at least 3 business days prior to the [Redacted] cancel by date shown on the RTC.
SELLER - GENERAL COMMENT [Redacted]: NRTC
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.
SELLER - GENERAL COMMENT [Redacted]: cure
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure, proof of mailing and copy of unexecuted RTC.  FedEx tracking does not reflect the package has been delivered to borrower, in order to finalize the reopening of rescission portion of the cure, must provide proof of delivery of the package and must be at least 3 business days prior to the [Redacted] cancel by date shown on the RTC.
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.

Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.

Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.		     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10352   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.   Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10353   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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  on Final Closing Disclosure provided on [Redacted] are underdisclosed (Fin[Redacted]025)
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]).  The disclosed Total of Payments in the amount of [Redacted] is under disclosed by $446.03 compared to the calculated total of payments of [Redacted] which exceeds the $100.00 threshold. (Fin[Redacted]025)
[2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. (Fin[Redacted]025)
[2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. (Fin[Redacted]025)		 Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018: Page 1 of closing disclosure issued [Redacted] indicates no escrows.  However, page 4 shows there will be an escrow account, but only lists non-escrowed expenses.
Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Cured on closing disclosure issued [Redacted] however no evidence of refund provided.
Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: Page 1 of closing disclosure issued [Redacted] indicates no escrows.  However, page 4 shows there will be an escrow account, but only lists non-escrowed expenses.
Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: Page 1 of closing disclosure issued [Redacted] indicates no escrows.  However, page 4 shows there will be an escrow account, but only lists non-escrowed expenses.		 SELLER - GENERAL COMMENT [Redacted]: Post CD
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received Corrected CD.  Missing copy of LOE to borrower which accompanied the PCCD to finalize cure.
REVIEWER - CURED COMMENT [Redacted]: Cured prior to discovery.
SELLER - GENERAL COMMENT [Redacted]: Mavent ran using Post CD
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] recognizes that fees can be updated in dry funding state, however, testing methodology generally remains the same. Creditors are required to disclose CDs based on best information reasonably known to the creditor at time of disclosure.  This best information reasonably available standard requires the creditor to exercise due diligence in obtaining the information.  Similar to pre-TRID reviews or reviews of loans not subject to TRID, the APR, Finance Charge, TOP and other material disclosures disclosed on the TIL Disclosure provided at consummation are compared to the actual APR, Finance Charge and TOP at consummation (using the fees from the final HUD in file which could be dated post consummation on a dry state).  The accuracy of material disclosures is based on the disclosures provided at or before consummation, not based on a TIL provided post consummation.  [Redacted] reviews pursuant to the SFA TRID Grid, Additional Considerations, Row 20, which provides:

Post Close CD - Material Disclosures Accuracy Test: Prior to TRID, material disclosures disclosed on the final TIL provided to the borrower at or before closing are compared to figures disclosed on most recent HUD-1 (issued pre or post close). Similarly, for TRID loans, TPRs will assume at initial review that fee changes reflected on PCCDs are corrections (similar to corrected HUD-1s), not updates of fees resulting from changes occurring after closing (lender incorrectly disclosed fees they were aware of or should have been aware of on final CD and issued a PCCD reflecting actual fees that should have been disclosed on final CD). Accordingly, TPR will calculate the APR, Finance Charge and TOP based on corrected fees on PCCD and cite exceptions if APR, Finance Charge and TOP disclosed on final CD are inaccurate based on fees shown on PCCD, an EV3-C exception will be cited if APR, Finance Charge, TOP on final CD are outside of tolerance for accuracy based on fees on most recent PCCD issued within 60 days of consummation (PCCD greater than 60 days from consummation will require accompanying ALTA settlement statement to confirm figures disclosed to be used for testing) unless: 1) discrepancy results from change in interim interest due to difference in anticipated vs. actual disbursement date; or 2) there is a corresponding lender cred[Redacted]re for the amount of the increase in fees paid by borrower reflected on PCCD; Otherwise, TILA 130(b) correction with LOE, refund or adjustment to ensure borrower does not pay more than amount disclosed, and proof of delivery required to cure to EV2-B. For rescindable transactions, re-opening of rescission and proof of receipt by borrower also required.

If changes in fee amounts reflected on the PCCD result from events that occurred after closing not reasonably known to the creditor at time of disclosure of the final CD after exercising diligence in obtaining such information, [Redacted] will review and consider an LOE, attestation, and documentation supporting fee changes are based on post consummation events that could not reasonably be known to creditor and that the disclosed figures were correct at the time of consummation.
SELLER - GENERAL COMMENT [Redacted]: response
REVIEWER - GENERAL COMMENT [Redacted]: PCCD has been provided for review, please provide LOE, Proof of mailing and copy of refund check to complete cure.
SELLER - GENERAL COMMENT [Redacted]: pccd, lloe check, label
REVIEWER - CURED COMMENT [Redacted]: Exception was cured prior to discovery.
SELLER - GENERAL COMMENT [Redacted]: Post CD
REVIEWER - CURED COMMENT [Redacted]: Cured prior to discovery.
SELLER - GENERAL COMMENT [Redacted]: Post CD
REVIEWER - CURED COMMENT [Redacted]: Cured prior to discovery.		 Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA - 1yr affirmative,  Unlimited as a defense to foreclosure. Assignee liability.		     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10354   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Commitment in file.     1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10355   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10356   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $745.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower. (7506) Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: Appraisal Fee increased on Loan Estimate[Redacted] with no valid reason evident. REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided within 60 Days of Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10357   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Seconda[Redacted]025)
[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Prima[Redacted]025)		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of AVM receipt not provided.
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.		   Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.

Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.		     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10358   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 2 [2] Document Error - The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Proposed policy amount is not disclosed on preliminary title report.  Final policy not provided.   1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10359   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10360   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/3062597)
[2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment Underdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Fin[Redacted]025)
[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $181.00 plus 10% or $199.10.  Sufficient or excess cure was provided to the borrower at Closing. (0)		 Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: Cured on PC CD.
Federal Compliance - TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment Underdisclosed Test: Cured on PC CD.		 REVIEWER - CURED COMMENT [Redacted]: Cured on PC CD.
REVIEWER - CURED COMMENT [Redacted]: Cured on PC CD.
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing		 Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment Underdisclosed Test: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.		     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10030   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10031   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10032   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided. REVIEWER - WAIVED COMMENT [Redacted]: waived Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10274   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Higher Priced QM (APOR) 3 1       2 [2] Value Discrepancy - Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22: Note Date:  [Redacted]; Lien Position: 1   REVIEWER - WAIVED COMMENT [Redacted]: The client elects to waive. 3 [3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.85463% or Final Disclosure APR of 7.90900% is equal to or greater than the threshold of APOR 6.24% + 1.5%, or 7.74000%.  Compliant Higher Priced Mortgage Loan.     Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. Borrower has been employed in the same industry for more than 5 years.

Borrower has worked in the same position for more than 3 years.

The representative FICO score is above 680.		   FHPML - Compliant A A A A A A A A A A A A A A B A A A A B
  CMLTI 2026-LTV1-10275   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10276   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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.   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges the exception, no change to grading.
Please see attached confirming when the LE was viewed. Website		 Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10277   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $783.13 exceeds tolerance of $773.00.  $10.13 over legal limit.  Insufficient or no cure was provided to the borrower. (7567) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Lender's Title Insurance Fee was last disclosed as $773.00 on the Loan Estimate, but was disclosed as $783.13 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $10.13, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. BUYER - GENERAL COMMENT [Redacted]: Please see the attached redisclosure package.
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10278   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10279   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 2 [2] Document Error - The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change to grading. 1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10280   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10281   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10282   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redacted] is over disclosed by $386.25 compared to the calculated Amount Financed of [Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). (Fin[Redacted]025)
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of [Redacted] is under disclosed by $382.65 compared to the calculated Finance Charge of [Redacted] which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). (Fin[Redacted]025)		 Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Final Closing Disclosure disclosed an amount financed of [Redacted]; calculated amount financed is [Redacted]. Variance is $386.25.
Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure disclosed a finance charge of [Redacted]; calculated finance charge is [Redacted]. Variance is $35.00.		 BUYER - GENERAL COMMENT [Redacted]: Please see the attached redisclosure package.
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.
BUYER - GENERAL COMMENT [Redacted]: Please see the attached redisclosure package.
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.		 Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.		     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10283   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10294   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10296   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10293   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10297   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $205.00 exceeds tolerance of $165.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10299   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10298   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10092   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redacted] is over disclosed by $4,510.00 compared to the calculated Amount Financed of [Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). (Fin[Redacted]025)
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of [Redacted] is under disclosed by $4,510.00 compared to the calculated Finance Charge of [Redacted] which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). (Fin[Redacted]025)
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]).  The disclosed Total of Payments in the amount of [Redacted] is under disclosed by $4,860.00 compared to the calculated total of payments of [Redacted] which exceeds the $35.00 threshold. (Fin[Redacted]025)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $7,723.60 exceeds tolerance of $2,863.60.  Sufficient or excess cure was provided to the borrower. (7200)		 Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Amount Financed overstated by $4,510, this was corrected on post closing disclosure, however letter to borrower, evidence of refund and proof of delivery were not provided.
Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance Charge understated by $4,510, this was corrected on post closing disclosure, however letter to borrower, evidence of refund and proof of delivery were not provided.
Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Total of Payments understated by $4,860, this was corrected on post closing disclosure, however letter to borrower, evidence of refund and proof of delivery were not provided.		 SELLER - GENERAL COMMENT [Redacted]: The increase in Loan Calculations was due to an increase in discount points after signing. Please see the attached Final Settlement statement which shows the borrower was provided a credit in the form a tolerance for the difference in discount points.
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received Final Settlement Statement confirming the cure credit to borrower at disbursement.  As this is a Material Disclosure violation that was cured post closing the 130(b) cure requirements require a copy of the LOE provided to borrower with the Corrected CD that explained the violation.  Along with this as this is also a rescindable transaction on a material disclosure violation, must provide proof of reopening of rescission to all consumers.  This is a post close cure and was not cured at closing, but was cured after disbursement and post closing. Copy of PCCD & proof of refund has been received for the other cure requirements.
SELLER - GENERAL COMMENT [Redacted]: Please see attached PCCD
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received Corrected CD, LOE to borrower and proof of mailing. Did not receive proof of reopening of rescission on this rescindable transaction of a material disclosure violation to finalize.
SELLER - GENERAL COMMENT [Redacted]: Disagree, there is not material changes and at the time of funding the borrower was provided the tolerance cure for the increase.
REVIEWER - GENERAL COMMENT [Redacted]: This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.
SELLER - GENERAL COMMENT [Redacted]: Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received PCCD, LOE, Notation of refund, RTC and proof of delivery.
SELLER - GENERAL COMMENT [Redacted]: The increase in Loan Calculations was due to an increase in discount points after signing. Please see the attached Final Settlement statement which shows the borrower was provided a credit in the form a tolerance for the difference in discount points.
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received Final Settlement Statement confirming the cure credit to borrower at disbursement.  As this is a Material Disclosure violation that was cured post closing the 130(b) cure requirements require a copy of the LOE provided to borrower with the Corrected CD that explained the violation.  Along with this as this is also a rescindable transaction on a material disclosure violation, must provide proof of reopening of rescission to all consumers.  This is a post close cure and was not cured at closing, but was cured after disbursement and post closing. Copy of PCCD & proof of refund has been received for the other cure requirements.
SELLER - GENERAL COMMENT [Redacted]: Please see attached PCCD
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received Corrected CD, LOE to borrower and proof of mailing. Did not receive proof of reopening of rescission on this rescindable transaction of a material disclosure violation to finalize.
REVIEWER - GENERAL COMMENT [Redacted]: This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.
SELLER - GENERAL COMMENT [Redacted]: Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received PCCD, LOE, Notation of refund, RTC and proof of delivery.
SELLER - GENERAL COMMENT [Redacted]: The increase in Loan Calculations was due to an increase in discount points after signing. Please see the attached Final Settlement statement which shows the borrower was provided a credit in the form a tolerance for the difference in discount points.
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received Final Settlement Statement confirming the cure credit to borrower at disbursement.  As this is a Material Disclosure violation that was cured post closing the 130(b) cure requirements require a copy of the LOE provided to borrower with the Corrected CD that explained the violation.  Along with this as this is also a rescindable transaction on a material disclosure violation, must provide proof of reopening of rescission to all consumers.  This is a post close cure and was not cured at closing, but was cured after disbursement and post closing. Copy of PCCD & proof of refund has been received for the other cure requirements.
SELLER - GENERAL COMMENT [Redacted]: Please see attached PCCD
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received Corrected CD, LOE to borrower and proof of mailing. Did not receive proof of reopening of rescission on this rescindable transaction of a material disclosure violation to finalize.
REVIEWER - GENERAL COMMENT [Redacted]: This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.
SELLER - GENERAL COMMENT [Redacted]: Please see attached Right to Cancel, Letter of Explanation, and Fed Ex label reflecting that the Right to Cancel period was reopened
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received PCCD, LOE, Notation of refund, RTC and proof of delivery.
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided within 60 Days of Closing		 Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.		     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10093   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10094   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10095   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10096   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10097   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1 [1] Federal Compliance - 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 $247.01 exceeds tolerance of $146.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520) Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Credit Report Fee increased on the [Redacted] CD.  The file did not contain a valid Change of Circumstance for the increased Credit Report Fee. REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10098   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10058   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 2 2 [2] Application / Processing - Missing Document: Other not provided Gap Credit Report within 10 days of closing is missing from file. BUYER - GENERAL COMMENT [Redacted]: see attached
REVIEWER - WAIVED COMMENT [Redacted]: Client elects to waive with verified compensation factors		 2 [2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: Valuation Type: Appraisal / Valuation Report Date: [Redacted] Transfer letter not provided BUYER - WAIVED COMMENT [Redacted]: [Redacted] elects to waive 2 [2] Miscellaneous Compliance - Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD.: Date Issued: [Redacted] Flood Certification (Life Of Loan), MERS Fee, Tax Service Fee (Life Of Loan)
[2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.		 Miscellaneous Compliance - Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD.: Payee for fees reflects TBD.
Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: Appraisal not in lender's name and transfer letter not provided		 BUYER - WAIVED COMMENT [Redacted]: [Redacted] elects to waive
BUYER - WAIVED COMMENT [Redacted]: [Redacted] elects to waive		   Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.		   - B B B B B B B B B B B B B B B B B B B B
  CMLTI 2026-LTV1-10361   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10362   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $90.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75106)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10363   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10364   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10020   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Rate/Term   1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10052   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Rate/Term   2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal was provided at closing.  Missing evidence of earlier receipt. BUYER - WAIVED COMMENT [Redacted]: Acknowledged non material EV2       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10080   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - (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.
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $289.40 exceeds tolerance of $250.00.  Sufficient or excess cure was provided to the borrower at Closing. (7571)		 Federal Compliance - (Missing Data) Last Rate Set Date: Rate Lock agreement missing in the file REVIEWER - WAIVED COMMENT [Redacted]: waived
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing		       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10081   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.
[1] Federal Compliance - 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 $875.00 exceeds tolerance of $725.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)		 Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Application date is [Redacted] and disclosure was dated [Redacted]. REVIEWER - WAIVED COMMENT [Redacted]: waived
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing		 Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10082   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10083   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10084   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10085   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10086   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10087   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10088   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10089   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $785.00 exceeds tolerance of $730.00.  Sufficient or excess cure was provided to the borrower at Closing. (75174)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10059   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10292   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10290   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Cash-out - Other N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10305   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 2 1       1       2 [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $165.00 exceeds tolerance of $0.00.  $165.00 over legal limit.  Insufficient or no cure was provided to the borrower. (75104)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $165.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (75104)		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Review Fee added to CD on [Redacted], with no valid change of circumstance provided. BUYER - GENERAL COMMENT [Redacted]: attached
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received COC dated [Redacted], however fee added on [Redacted] CD which is not within 3 days of COC. Please provide any missing CD sent within 3 days of COC for further analysis.
BUYER - GENERAL COMMENT [Redacted]: LOX, refund check, delivery, and PCCD attached
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided within 60 Days of Closing		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10119   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Refinance Rate/Term Non QM 2 1       1       2 [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test.  Points and Fees on subject loan of 3.31505% is in excess of the investor allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of $1,482.82 or .31505%).
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)
[1] Federal Compliance - 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 $281.00 exceeds tolerance of $250.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)		   REVIEWER - WAIVED COMMENT [Redacted]: Waived without regrading, nothing required.
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing		       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10392   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 2 [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met
[2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of 715 is less than Guideline representative FICO score of 720.		 Waterfall due to FICO.
Most recent credit report mid score drifted down to 715, lower than initial report with 728.		 REVIEWER - WAIVED COMMENT [Redacted]: Client elects to downgrade based on compensating factors.
REVIEWER - WAIVED COMMENT [Redacted]: Client elects to downgrade based on compensating factors.		 1       1 [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $117.00 exceeds tolerance of $65.00 plus 10% or $71.50.  Sufficient or excess cure was provided to the borrower at Closing. (0)
[1] Federal Compliance - 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 $1,050.00 exceeds tolerance of $900.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)		 Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: EV1.
Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: EV1.		 REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing		   Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.

The representative FICO score is above 680.		   - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10393   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10394   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10395   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10365   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10366   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Seconda[Redacted]026)
[1] Federal Compliance - 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 $885.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10367   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 2 [2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		     1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10368   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10369   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       2 [2] Appraisal Documentation - Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10: Note Date:  [Redacted]; Lien Position: 1 Collateral Underwriting Risk Score >2.5, but an AVM was provided, which supports value. The AVM has an FSD score of 0.09 which does not meet Fitch criteria.   1             - A A A A A A A A A A A D A A A A D A A A
  CMLTI 2026-LTV1-10370   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10371   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026)           - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10372   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10373   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1 [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $250.00 exceeds tolerance of $222.00 plus 10% or $244.20.  Sufficient or excess cure was provided to the borrower at Closing. (0)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10374   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Preliminary in file.     1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10375   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10376   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10377   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Seconda[Redacted]026)
[2] Federal Compliance - 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. (Type:Prima[Redacted]026)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: AVM missing evidence of receipt.
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.		         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10378   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10379   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       2 [2] Value Discrepancy - Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22: Note Date:  [Redacted]; Lien Position: 1     1             - A A A A A A A A A A A A A A B A A A A B
  CMLTI 2026-LTV1-10380   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75178)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10381   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Preliminary in file.     1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10382   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       2 [2] Appraisal Documentation - Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10: Note Date:  [Redacted]; Lien Position: 1 Collateral Underwriting Risk Score >2.5, but an AVM was provided, which supports value.  The AVM has an FSD score of 0.01 which does not meet Fitch criteria.   2 [2] Federal Compliance - 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. (Type:Seconda[Redacted]025)
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.         - A A A A A B B B B B A D A A A B D B B B
  CMLTI 2026-LTV1-10383   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10384   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 2 [2] Insufficient Coverage - The Hazard Insurance Policy effective date is after the funds disbursed.: Hazard Insurance Policy Effective Date [Redacted]; Disbursement Date: [Redacted]; Note Date: [Redacted]; Transaction Date: [Redacted] Homeowners insurance policy has an effective date of [Redacted] and started after the loan funded on [Redacted]. SELLER - GENERAL COMMENT [Redacted]: Letter stating no claims during this period
REVIEWER - GENERAL COMMENT [Redacted]: Letter stating no claims have been made needs to come from the insurer and not the borrower.
SELLER - GENERAL COMMENT [Redacted]: Lender & insurer response
REVIEWER - GENERAL COMMENT [Redacted]: Insurer will not provide no claims letter.  Buyer to review.
REVIEWER - WAIVED COMMENT [Redacted]: Client elects to downgrade based on compensating factors.		 1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The qualifying DTI on the loan is at least 10% less than the guideline maximum.

The qualifying DTI on the loan is less than or equal to 35%.

The representative FICO score is above 680.		   - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10385   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10386   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10387   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       2 [2] Appraisal Documentation - Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10: Note Date:  [Redacted]; Lien Position: 1 Collateral Underwriting Risk Score >2.5, but an AVM was provided, which supports value.  The AVM has an FSD score of .12 which does not meet Fitch criteria.   2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Seconda[Redacted]026)
[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Prima[Redacted]026)		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.		   Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.

Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.		     - A A A A A B B B B B A D A A A B D B B B
  CMLTI 2026-LTV1-10388   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10389   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower. (7506)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided within 60 Days of Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10390   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 2 [2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		     1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10391   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10295   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10302   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Non QM 2 1       1       2 [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,598.30 exceeds tolerance of $3,568.30.  $30.00 over legal limit.  Insufficient or no cure was provided to the borrower. (8304) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The Transfer Taxes were increased on the CD dated [Redacted], with no valid change provided. BUYER - GENERAL COMMENT [Redacted]: PCCD + CURE
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10309   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10303   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10165   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10169   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10171   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10173   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10168   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt. SELLER - GENERAL COMMENT [Redacted]: Invalid finding - Appraisal Valuation Acknowledgment signed [Redacted] by borrowers confirming receipt of each valuation report 3 or more business days prior to closing on page 443.
REVIEWER - GENERAL COMMENT [Redacted]: The acknowledgement reflect an either statement where there is no checkmark or signature explicitly showing which statement they are acknowledging. This is a grade 2 exception non material.		       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10174   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10175   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10176   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025)
[1] Federal Compliance - 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 $175.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt. REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10177   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10178   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee.  Fee Amount of $139.05 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75208) Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Fee was added on closing disclosure issued [Redacted], change of circumstance stated loan amount changed, however points were increased outside of ratio. REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing   Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The qualifying DTI on the loan is at least 10% less than the guideline maximum.

The qualifying DTI on the loan is less than or equal to 35%.

The representative FICO score exceeds the guideline minimum by at least 40 points.

The representative FICO score is above 680.		   - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10190   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Prima[Redacted]026)
[1] Federal Compliance - 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 $169.25 exceeds tolerance of $160.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of receipt of earlier report was provided; however, receipt of report dated [Redacted] was not provided. REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10186   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: A copy of the appraisal is required to be delivered to the borrower within 3 business days of closing.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10180   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10187   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of appraisal receipt was not provided.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10183   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10184   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10188   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026)           - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10189   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Seconda[Redacted]026) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10191   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10164   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10166   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Closing / Title - (Doc Error) Security Instrument Error: Notary Date was not provided Closing / Title - (Doc Error) Security Instrument Error: Notary Date was not provided: The notary date shown on the Security Instrument is 11/814/2025 which  is incorrect. Please provide a corrected Security Instrument along with a correct notary date and evidence the Security Instrument has be re-recorded. SELLER - GENERAL COMMENT [Redacted]: Level 2 finding - Buyer to review
SELLER - GENERAL COMMENT [Redacted]: Level 2 finding-remain in Seller status until final reporting		       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10167   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1 [1] Federal Compliance - 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 $268.75 exceeds tolerance of $260.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10172   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment.  Note P&I of $5,504.43 does not match calculated P&I of $5,503.86. Note P&I was used for the APR calculation and compliance testing.
[2] Federal Compliance - 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. (Type:Prima[Redacted]025)
[2] Federal Compliance - (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.		 Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Based on the Note and Final Closing Disclosure the P&I is $5,504.43. However, calculated at $5,503.86.
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.
Federal Compliance - (Missing Data) Last Rate Set Date: Rate Lock Agreement not provided.		         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10170   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire.  Fee Amount of $464.95 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (75215)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The updated Appraisal report dated [Redacted] is missing evidence of borrower receipt.
Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: HOA/Condo Questionnaire Fee $450.00 was changed to $464.95 on closing disclosure [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure.		 REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10179   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10185   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026)
[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $170.00 exceeds tolerance of $150.00 plus 10% or $165.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] is missing evidence of receipt. REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10181   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing receipt of [Redacted] report was not provided.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10182   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing provided. REVIEWER - WAIVED COMMENT [Redacted]: waived Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10415   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated[Redacted] missing evidence of receipt.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10428   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10414   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 1       1       2 [2] State Compliance - [Redacted] Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely): [Redacted] Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within ten (10) business days of application or three (3) business days prior to closing. State Compliance - [Redacted] Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely): Missing the [Redacted] Escrow Responsibility Disclosure dated within 3 business days from the application date.   State Compliance - [Redacted] Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely): Assignee liability is unclear.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10416   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee.  Fee Amount of $120.00 exceeds tolerance of $0.00.  $120.00 over legal limit.  Insufficient or no cure was provided to the borrower. (7508)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower.		 REVIEWER - WAIVED COMMENT [Redacted]: waived
SELLER - GENERAL COMMENT [Redacted]: cure
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received PCCD, LOE and payment history for principal reduction of cure.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10417   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Commitment in file. The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Commitment in file. REVIEWER - WAIVED COMMENT [Redacted]: waived 2 [2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: Valuation Type: Appraisal / Valuation Report Date: [Redacted] The lender listed on the appraisal is  [Redacted] dba  [Redacted]rather than actual lender  [Redacted] and no appraisal transfer letter was provided. REVIEWER - WAIVED COMMENT [Redacted]: waived 2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026)
[2] Federal Compliance - 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. (Client:868[Redacted]026)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee.  Fee Amount of $1,495.00 exceeds tolerance of $0.00.  $1,495.00 over legal limit.  Insufficient or no cure was provided to the borrower. (7588)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] is missing evidence of borrower receipt.
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] is missing evidence of borrower receipt.
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Attorney Review fee amount of $1,495.00 exceeds tolerance of $0.00. $1,495.00 over legal limit. Insufficient or no cure was provided to the borrower		 REVIEWER - WAIVED COMMENT [Redacted]: waived
REVIEWER - WAIVED COMMENT [Redacted]: waived
SELLER - GENERAL COMMENT [Redacted]: cure
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - B B B B B B B B B B B B B B B B B B B B
  CMLTI 2026-LTV1-10311   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 3 1       1       3 [3] State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): [Redacted] Higher-Priced Loan: APR on subject loan of 7.81253% or Final Disclosure APR of 7.81000% is equal to or greater than the threshold of APOR 6.06% + 1.5%, or 7.56000%.  Compliant Higher Priced Loan.
[3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.81253% or Final Disclosure APR of 7.81000% is equal to or greater than the threshold of APOR 6.06% + 1.5%, or 7.56000%.  Compliant Higher Priced Mortgage Loan.		     State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Assignee Liability is unclear.  The provisions of the Act may only be enforced by the Attorney General or the licensed person’s licensing agency.  Any person who willfully and knowingly violates any provision of the Act shall be liable for a civil penalty of not more than $10,000 for each violation. A prepayment penalty or yield spread premium provision of a higher-priced mortgage loan that violates the Act shall be unenforceable.

Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.		     State HPML - Compliant A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10312   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 3 1       1       3 [3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.73014% or Final Disclosure APR of 7.75200% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%.  Compliant Higher Priced Mortgage Loan.
[3] State Compliance - [Redacted] HPML Threshold Test Compliant: [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of 7.73014% or Final Disclosure APR of 7.75200% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000% Compliant Higher Priced Loan.		 Federal Compliance - Federal HPML 2014 Compliant: Compliant HPML, nothing required from lender. BUYER - WAIVED COMMENT [Redacted]: Waived. Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.     State HPML - Compliant A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10318   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 3 1       1       3 [3] State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): [Redacted] Higher-Priced Loan: APR on subject loan of 7.52227% or Final Disclosure APR of 7.85000% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000%.  Compliant Higher Priced Loan.
[3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.52227% or Final Disclosure APR of 7.85000% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000%.  Compliant Higher Priced Mortgage Loan.		 State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Compliant, nothing required from lender.
Federal Compliance - Federal HPML 2014 Compliant: Compliant HPML, nothing required from lender.		   State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Assignee Liability is unclear.  The provisions of the Act may only be enforced by the Attorney General or the licensed person’s licensing agency.  Any person who willfully and knowingly violates any provision of the Act shall be liable for a civil penalty of not more than $10,000 for each violation. A prepayment penalty or yield spread premium provision of a higher-priced mortgage loan that violates the Act shall be unenforceable.

Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.		     State HPML - Compliant A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10061   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Cash-out - Other N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10396   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 2 [2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		     1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee.  Fee Amount of $459.65 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7517)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10419   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $219.30 exceeds tolerance of $99.00.  $120.30 over legal limit.  Insufficient or no cure was provided to the borrower. (7520) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee was increased on Loan Estimate issued[Redacted]ith no valid change evident. SELLER - GENERAL COMMENT [Redacted]: cure
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received PCCD, LOE and payment history for principal reduction of cure.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10420   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Commitment in file.     1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Prima[Redacted]025)
[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Client:876[Redacted]025)
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Application date is [Redacted]  and disclosure was dated [Redacted]		   Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.

Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.		     - B B B B B B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10397   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Commitment in file.     1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10398   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       2 [2] Appraisal Documentation - Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10: Note Date:  [Redacted]; Lien Position: 1     1             - A A A A A A A A A A A D A A A A D A A A
  CMLTI 2026-LTV1-10399   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10400   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] was received [Redacted] with Note date of [Redacted] missing evidence of waiver.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10401   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10402   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] State Compliance - [Redacted] Late Charge Percent and Amount Testing: [Redacted] Late Charge: Note late charge amount of $356.17 exceeds the state maximum of $100.           - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10403   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Safe Harbor QM (APOR) 2 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Commitment in file.     1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10404   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Preliminary in file.     1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10421   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10405   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       2 [2] Value Discrepancy - Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22: Note Date:  [Redacted]; Lien Position: 1 The AVM value is  [Redacted], the CDA provided value of  [Redacted] supports the origination value of  [Redacted] REVIEWER - WAIVED COMMENT [Redacted]: Waived 2 [2] Federal Compliance - 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. (Type:Addition[Redacted]026)
[2] Federal Compliance - 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. (Type:Prima[Redacted]026)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.		         - A A A A A B B B B B A A A A B B B B B B
  CMLTI 2026-LTV1-10422   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10423   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10424   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10406   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 2 [2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		     1       1 [1] Federal Compliance - 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 $190.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10407   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 2 2 [2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		     1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10408   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       2 [2] Appraisal Documentation - Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10: Note Date:  [Redacted]; Lien Position: 1     2 [2] Federal Compliance - 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. (Type:Seconda[Redacted]026)
[2] Federal Compliance - 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. (Type:Prima[Redacted]026)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.		         - A A A A A B B B B B A D A A A B D B B B
  CMLTI 2026-LTV1-10409   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       2 [2] Appraisal Documentation - Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10: Note Date:  [Redacted]; Lien Position: 1     2 [2] Federal Compliance - 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. (Type:Seconda[Redacted]026)
[2] Federal Compliance - 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. (Type:Prima[Redacted]026)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower within 3 days of closing was not provided.  Waiver not provided.
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower within 3 days of closing was not provided.  Waiver not provided.		         - A A A A A B B B B B A D A A A B D B B B
  CMLTI 2026-LTV1-10425   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10410   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10411   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal receipt not provided.   Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10426   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The file was missing evidence the Right to Receive Appraisal Disclosure provided to borrower within 3 days of initial application.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10412   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026)           - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10427   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10413   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10434   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Non QM 2 1       1       2 [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial 1003: Lender's Initial 1003 not provided.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10437   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10436   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Rate/Term N/A 2 2 [2] Miscellaneous - Credit Exception:
[2] Miscellaneous - Credit Exception:		 Lender approved and requested exception: property is ineligible due to not being readily accessible by roads that meet local standards. Compensating factors: full doc loan, no lates on primary and subject mortgages, excellent credit with 727 FICO, reducing interest rate, rate-term refinance.
Lender approved and requested exception for deductible on earthquake policy (15% current, max deductible 10%). Compensating factors: full doc loan, no lates on primary and subject mortgages, excellent credit with 727 FICO, reducing interest rate, rate-term refinance.		 SELLER - GENERAL COMMENT [Redacted]: This is a business purpose transaction that is exempt from TIL[Redacted]ID.  Federal Compliance tests should not apply.
REVIEWER - GENERAL COMMENT [Redacted]: Subject loan is a R/T refinance of an investment property and not DSCR.
SELLER - GENERAL COMMENT [Redacted]: Property is on [Redacted]. All comparables are in the town of [Redacted] (same as subject) and are in very close proximity to the subject and not marketability concerns noted. Per photos within appraisal there are clearly XXXX as well as XXXX in view on the subject street. The XXXX between [Redacted] is a passenger XXXX only and does not support XXXX, which supports the finding and exceptio[Redacted]iver provided. The home is on an accessible XXXX road within the XXXX.
REVIEWER - WAIVED COMMENT [Redacted]: Lender exception provided in file.
SELLER - GENERAL COMMENT [Redacted]: This is a business purpose transaction that is exempt from TIL[Redacted]ID.  Federal Compliance tests should not apply.
REVIEWER - GENERAL COMMENT [Redacted]: Subject loan is a R/T refinance of an investment property and not DSCR.
SELLER - GENERAL COMMENT [Redacted]: Allowed earthquake deductible of 15%. To note the borrower is not required to carry earthquake insurance but has opted to do so - deemed non-material.
REVIEWER - WAIVED COMMENT [Redacted]: Lender exception provided in file.		 1       2 [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 6.86625% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2026). FNMA Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted] and $1000.00 (2026) (an overage of [Redacted] or 1.86625%).
[2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.		 Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 6.86625% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2026). FNMA Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted] and $1000.00 (2026) (an overage of [Redacted] or 1.86625%). REVIEWER - WAIVED COMMENT [Redacted]: Client elects to waive EV2. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability. Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - B B B B B B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10435   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 2 [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Minimum Loan Amount discrepancy.: Note loan amount of [Redacted] is less than Guideline minimum loan amount of [Redacted]. Lender exception approved at origination for loan amount [Redacted] less than guideline minimum [Redacted]. Compensating factors: more than 10 months reserves, <36% DTI. REVIEWER - WAIVED COMMENT [Redacted]: Lender exception with compensating factors. 1       2 [2] State Compliance - [Redacted] Late Charge Grace Period Testing: [Redacted] Late Charge: Note grace period of 5 days is less than the state minimum of 10 days.
[2] State Compliance - [Redacted] Late Charge Percent Testing: [Redacted] Late Charge: Note late charge percent of 10.00000% exceeds the state maximum of 5%.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003		 State Compliance - [Redacted] Late Charge Grace Period Testing: Note: Grace period of 5 days is less than the state minimum of 10 days.
State Compliance - [Redacted] Late Charge Percent Testing: Note: Late charge percent of 10.00000% exceeds the state maximum of 5%.		     Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The qualifying DTI on the loan is at least 10% less than the guideline maximum.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - B B B B B B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10433   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Non QM 2 1       1       2 [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test.  Points and Fees on subject loan of 3.26144% is in excess of the investor allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total [Redacted] on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of [Redacted] (an overage of $948.24 or .26144%).           - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10432   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] State Compliance - [Redacted] Late Charge Grace Period Testing: [Redacted] Late Charge: Note grace period of 5 days is less than the state minimum of 10 days.
[2] State Compliance - [Redacted] Late Charge Percent and Amount Testing: [Redacted] Late Charge: Note late charge amount of $180.96 exceeds the state maximum of $100.
[2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 10.11392% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2026). FNMA Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted] and $1000.00 (2026) (an overage of [Redacted] or 5.11392%).		 State Compliance - [Redacted] Late Charge Grace Period Testing: Late change details in note: 5 days grace period is less than state minimum of 10 days.
State Compliance - [Redacted] Late Charge Percent and Amount Testing: Note late charge amount of $180.96 exceeds the state maximum of $100.00.
Federal Compliance - FNMA Points and Fees: Points and Fees total [Redacted] versus an investor allowable total of [Redacted] for an overage of [Redacted].		 REVIEWER - WAIVED COMMENT [Redacted]: Client elects to waive EV2.       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10430   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 2 1       1       2 [2] Federal Compliance - 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. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide the List of Homeownership Counseling Organizations to the borrower.   Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. Borrower has been employed in the same industry for more than 5 years.

Borrower has worked in the same position for more than 3 years.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10429   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Non QM 2 2 [2] Miscellaneous - Credit Exception:
[2] Miscellaneous - Credit Exception:		 Subject unit requirement minimum of (1) bedroom. Compensating factor: borrower has been with current employer for over 20 years, has resided in current residence for 18 years, good credit with 734 FICO.
Lender approved exception for FTHB purchasing a second home. Compensating factor: borrower has been with current employer for over 20 years, has resided in current residence for 18 years, good credit with 734 FICO.		 REVIEWER - WAIVED COMMENT [Redacted]: Lender exception provided in file
REVIEWER - WAIVED COMMENT [Redacted]: Lender exception provided in file		 1       2 [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test.  Points and Fees on subject loan of 3.43492% is in excess of the investor allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $8,655.00 on a Federal Total Loan Amount of [Redacted] vs. an investor allowable total of $7,559.13 (an overage of $1,095.87 or .43492%).
[2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.		 Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Disclosure signed at closing with no evidence of Notice receipt at least 3 days prior to closing.   Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan. Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - B B B B B B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10120   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing evidence of appraisal receipt.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10121   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Exempt from ATR 2 1       1       2 [2] Federal Compliance - CDFI Bank Originated Loan submitted as Non Exempt: Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt.   QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule.  TILA loan designation remains ATR Exempt.           - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10122   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1 [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $60.00 exceeds tolerance of $50.00 plus 10% or $55.00.  Sufficient or excess cure was provided to the borrower at Closing. (0) Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: 10% fee violation due to an increase in the Recording Fee, Transfer Tax and State Tax / Stamps fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $60.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10123   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. (Fin[Redacted]025) Federal Compliance - TRID Final Closing Disclosure Partial Payments: On received final closing disclosure both the option was checked  for partial payment on page 4 SELLER - GENERAL COMMENT [Redacted]: See attached.
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received corrected PCCD.  LOE and proof of mailing are still required to cure.
SELLER - GENERAL COMMENT [Redacted]: See attached LOE for review
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received Letter of Explanation & Corrected CD		 Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10127   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Rate/Term N/A 1 1       1       1 [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $341.50 exceeds tolerance of $310.00 plus 10% or $341.00.  Sufficient or excess cure was provided to the borrower at Closing. (0) Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $341.50 exceeds tolerance of $310.00 plus 10% or $341.00. No Valid Change circumstance in file. REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10128   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to Note.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10129   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Rate/Term N/A 2 2 [2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		     1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.  Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Evidence of appraisal not provided.         - B B B B B B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10130   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification of the borrower's receipt of the appraisal is missing from the file.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10153   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.   SELLER - GENERAL COMMENT [Redacted]: see attached
REVIEWER - GENERAL COMMENT [Redacted]: Provided document is Fee Comparison Checklist, require Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. Exception remains.		 Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10154   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10155   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: The initial Notice of Special Flood Hazard was not provided within a reasonable time prior to closing.   Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: Liability for violations cannot be transferred to a subsequent purchaser of a loan.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10156   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Higher Priced QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10131   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026)
[1] Federal Compliance - 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 $299.00 exceeds tolerance of $164.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation.
Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $299.00 exceeds tolerance of $164.00. Sufficient or excess cure was provided to the borrower at Closing.		 REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing   Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The representative FICO score is above 680.		   - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10132   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1 [1] Federal Compliance - 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 $1,000.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10133   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements.  Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Receipt dated [Redacted], however appraisal report dated [Redacted].         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10134   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10135   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $10.65 exceeds tolerance of $10.00.  Sufficient or excess cure was provided to the borrower at Closing. (75197)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10137   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements.        Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The representative FICO score is above 680.		   - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10158   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $205.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (7552)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $499.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower. (7520)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,400.00 exceeds tolerance of $695.00.  Sufficient or excess cure was provided to the borrower. (7506)		   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided within 60 Days of Closing
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided within 60 Days of Closing
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided within 60 Days of Closing		       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10138   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10139   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $135.56 exceeds tolerance of $75.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520) Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $135.56 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10140   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10141   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The representative FICO score is above 680.		   - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10124   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10125   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] was received [Redacted] with Note date of [Redacted] missing evidence of waiver.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10126   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10142   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10143   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10159   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Prima[Redacted]026)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $208.50 exceeds tolerance of $195.00.  $13.50 over legal limit.  Insufficient or no cure was provided to the borrower. (7520)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $650.00.  $50.00 over legal limit.  Insufficient or no cure was provided to the borrower. (7506)		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $208.50 exceeds tolerance of $195.00.  $13.50 over legal limit.No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $195.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $650.00.  $50.00 over legal limit. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $50.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made.		 SELLER - GENERAL COMMENT [Redacted]: see attached
REVIEWER - CURED COMMENT [Redacted]: Cured at closing or within 60 days of consummation prior to TPR review
SELLER - GENERAL COMMENT [Redacted]: see attached
REVIEWER - CURED COMMENT [Redacted]: Cured at closing or within 60 days of consummation prior to TPR review		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.		     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10161   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Refinance Rate/Term Higher Priced QM (APOR) 2 1       1       2 [2] Federal Compliance - 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).
[2] Federal Compliance - 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. (Type:Seconda[Redacted]026)		 Federal Compliance - Check Restated Loan Designation Match - QM / ATR: LD Restated
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: AVM report dated [Redacted] missing evidence of receipt.		 SELLER - GENERAL COMMENT [Redacted]: see attached
REVIEWER - GENERAL COMMENT [Redacted]: Receipt of appraisal delivery is not provided exception remains.		 Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10145   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026)
[2] Federal Compliance - 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. (Client:889[Redacted]026)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] was received [Redacted] with Note date of [Redacted], missing evidence of waiver.
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.		         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10146   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Appraisal report dated [Redacted] missing evidence of receipt.   Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10147   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Prima[Redacted]026)
[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Client:892[Redacted]026)		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.		   Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10148   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10162   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee.  Fee Amount of $17.00 exceeds tolerance of $15.00.  Sufficient or excess cure was provided to the borrower at Closing. (75117)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing   Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The representative FICO score is above 680.		   - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10149   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The updated Appraisal report dated [Redacted] is missing evidence of borrower receipt.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10150   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10152   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Cash-out - Other Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]025) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of borrower's receipt.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10136   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10144   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Cash-out - Other Higher Priced QM (APOR) 2 2 [2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		 The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.   1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10160   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Cash-out - Other Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $650.00.  $50.00 over legal limit.  Insufficient or no cure was provided to the borrower. (7506)		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. No cure was provided. SELLER - GENERAL COMMENT [Redacted]: Please see attached
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received Copy of refund check and LOX. However, we would also require Post CD and Proof of mailing in order to cure the exception.
SELLER - GENERAL COMMENT [Redacted]: Please see attached.
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received corrected PCCD, LOE and copy of refund check. However, Proof of mailing was not located in trailing documents. Proof of mailing is required to borrower to complete remediation.
SELLER - GENERAL COMMENT [Redacted]: Please see attached copy of the email from the borrower confirming receipt
REVIEWER - CURED COMMENT [Redacted]: [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10306   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10307   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Non QM 3 1       1       3 [3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.90777% or Final Disclosure APR of 7.92800% is equal to or greater than the threshold of APOR 6.22% + 1.5%, or 7.72000%.  Compliant Higher Priced Mortgage Loan.
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $165.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75106)		   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.     FHPML - Compliant A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10301   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 3 1       1       3 [3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.65935% or Final Disclosure APR of 8.72800% is equal to or greater than the threshold of APOR 6.26% + 1.5%, or 7.76000%.  Compliant Higher Priced Mortgage Loan.     Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.     FHPML - Compliant A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10310   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10314   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 3 1       1       3 [3] State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): [Redacted] Higher-Priced Loan: APR on subject loan of 8.49557% or Final Disclosure APR of 8.57000% is equal to or greater than the threshold of APOR 5.99% + 1.5%, or 7.49000%.  Compliant Higher Priced Loan.
[3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.49557% or Final Disclosure APR of 8.57000% is equal to or greater than the threshold of APOR 5.99% + 1.5%, or 7.49000%.  Compliant Higher Priced Mortgage Loan.		 State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Compliant, nothing required from lender.
Federal Compliance - Federal HPML 2014 Compliant: Compliant HPML, nothing required from lender.		   State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Assignee Liability is unclear.  The provisions of the Act may only be enforced by the Attorney General or the licensed person’s licensing agency.  Any person who willfully and knowingly violates any provision of the Act shall be liable for a civil penalty of not more than $10,000 for each violation. A prepayment penalty or yield spread premium provision of a higher-priced mortgage loan that violates the Act shall be unenforceable.

Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.		     State HPML - Compliant A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10313   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 3 1       1       3 [3] State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): [Redacted] Higher-Priced Loan: APR on subject loan of 7.75114% or Final Disclosure APR of 7.81600% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%.  Compliant Higher Priced Loan.
[3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.75114% or Final Disclosure APR of 7.81600% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%.  Compliant Higher Priced Mortgage Loan.		 State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Compliant, nothing required from lender.
Federal Compliance - Federal HPML 2014 Compliant: Compliant HPML, nothing required from lender.		   State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Assignee Liability is unclear.  The provisions of the Act may only be enforced by the Attorney General or the licensed person’s licensing agency.  Any person who willfully and knowingly violates any provision of the Act shall be liable for a civil penalty of not more than $10,000 for each violation. A prepayment penalty or yield spread premium provision of a higher-priced mortgage loan that violates the Act shall be unenforceable.

Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.		     State HPML - Compliant A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10091   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Cash-out - Other N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10060   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Non QM 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.		   - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10114   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10105   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10115   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Prima[Redacted]026)     Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10107   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10117   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The representative FICO score is above 680.		   - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10102   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Refinance Rate/Term Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10111   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10110   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1 [1] Federal Compliance - 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 $70.00 exceeds tolerance of $35.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing   Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The representative FICO score is above 680.		   - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10113   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] was received [Redacted] with Note date of [Redacted] missing evidence of waiver.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10103   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Higher Priced QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10104   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Rate/Term N/A 2 1       1       2 [2] Federal Compliance - 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. (Type:Prima[Redacted]026) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal report dated [Redacted] missing evidence of receipt.         - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10109   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10112   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10118   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10101   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10116   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50.  $23.50 over legal limit.  Insufficient or no cure was provided to the borrower. (0)
[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50.  Sufficient or excess cure was provided to the borrower at Closing. (0)		 Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50. $23.50 over legal limit. Insufficient or no cure was provided to the borrower. SELLER - GENERAL COMMENT [Redacted]: The cure is in the final CD signed at Close.  Please waive.
REVIEWER - CURED COMMENT [Redacted]: Cured at closing or within 60 days of consummation prior to TPR review
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing		   Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The representative FICO score is above 680.		   - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10108   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10106   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Safe Harbor QM (APOR) 1 1       1       1 [1] Federal Compliance - 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 $625.00 exceeds tolerance of $575.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing   Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The representative FICO score is above 680.		   - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10323   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10079   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Refinance Cash-out - Other Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10001   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1         Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrower's monthly mortgage payment has decreased by at least 20%.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The qualifying DTI on the loan is at least 10% less than the guideline maximum.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10000   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 2 1       1       2 [2] Document Error - Closing Disclosure: Dates are not in chronological order.: Date Issued: [Redacted] Issue Date: [Redacted]; Received Date: [Redacted]; Signed Date: [Redacted] Document Error - Closing Disclosure: Dates are not in chronological order.: Closing Disclosure issued on [Redacted] was (received/signed) by borrower on [Redacted]. REVIEWER - WAIVED COMMENT [Redacted]: waived       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10002   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Refinance Cash-out - Other Non QM 1 1       1       1 [1] Federal Compliance - 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 $598.50 exceeds tolerance of $98.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing   Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10003   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10192   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10193   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10194   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10195   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10196   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] State Compliance - [Redacted] Counseling Agencies Disclosure Not in File: [Redacted] HB1399 - No evidence of required counseling disclosure language per [Redacted] HB 1399.   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change to grading. State Compliance - [Redacted] Counseling Agencies Disclosure Not in File: HB 1399 does not contain express provisions for assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10197   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10198   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10199   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - 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 $-19.00. Insufficient or no cure was provided to the borrower. (9300) Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Lender credit was last disclosed as -$19.00 on the Loan Estimate but was disclosed as $0.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $19.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. BUYER - GENERAL COMMENT [Redacted]: Please see attached, PCCD packet and cure check for the violation.
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.		 Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10200   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10201   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of [Redacted] is over disclosed by $220.00 compared to the calculated Amount Financed of [Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). (Fin[Redacted]026)
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan.  The disclosed Finance Charge in the amount of [Redacted] is under disclosed by $216.44 compared to the calculated Finance Charge of [Redacted] which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). (Fin[Redacted]026)		 Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Buyer Notary Fee was not included as finance charge. Additionally, State UCC was included as finance charge.
Federal Compliance - TRID Final Closing Disclosure Finance Charge: Buyer Notary Fee was not included as finance charge. Additionally, State UCC was included as finance charge.		 REVIEWER - CURED COMMENT [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD
BUYER - GENERAL COMMENT [Redacted]: Please see the attached corrected closing disclosure. Loan is a purchase, no recission required.
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD		 Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.		     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10202   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10203   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10204   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10205   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10206   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 2 [2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change to grading. 1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10207   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10208   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10209   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $153.00 exceeds tolerance of $0.00.  $153.00 over legal limit.  Insufficient or no cure was provided to the borrower. (75104) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The Appraisal Review Fee was reflected as paid by the Lender until the final Closing Disclosure.  Please provide explanation for the reason for the re-allocation of the lender paid fees at the time of closing. BUYER - GENERAL COMMENT [Redacted]: Please see page 270 of the loan file. The CD addendum confirms the Appraisal review fee was covered by a seller credit.
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received rebuttal comment and as per referred itemization the Appraisal Review fee of $153 was paid by seller but as per final CD dated [Redacted] the fee was updated as paid by borrower and included in cash to close. If the fee is paid by seller please provide corrected PCCD and LOE with updated fee as paid by seller along with the copy of true and certified final SS to validate the same.
BUYER - GENERAL COMMENT [Redacted]: Please see uploaded documents PCCD and check to cover the tolerance violation referenced.
REVIEWER - CURED COMMENT [Redacted]: [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10210   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10211   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in “Other” section where regulation requires insurance to be disclosure under “Homeowner’s Insurance” section. Disclosure requirement met, non-material exception for incorrect format/placement. (Fin[Redacted]026)     Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA - 1yr affirmative,  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10212   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10213   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10214   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10215   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10216   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10217   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10218   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10220   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10221   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in “Other” section where regulation requires insurance to be disclosure under “Homeowner’s Insurance” section. Disclosure requirement met, non-material exception for incorrect format/placement. (Fin[Redacted]026)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $153.00 exceeds tolerance of $0.00.  $153.00 over legal limit.  Insufficient or no cure was provided to the borrower. (75104)		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The Appraisal Review Fee was initially disclosed on the revised Closing Disclosure issued [Redacted] as $153.00 paid by the lender but was disclosed on the Final Closing Disclosure as $153.00 paid by the borrower. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $153.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. BUYER - GENERAL COMMENT [Redacted]: Please see the attached redisclosure package.
REVIEWER - GENERAL COMMENT [Redacted]: [Redacted] received corrected PCCD, LOE, Copy of refund check and shipping label. However, UPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.
BUYER - GENERAL COMMENT [Redacted]: Please see the attached proof of delivery.
REVIEWER - CURED COMMENT [Redacted]: [Redacted] received  Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.		 Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA - 1yr affirmative,  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.		     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10222   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10223   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10224   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10225   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10226   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10227   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10228   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10229   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10230   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10231   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in “Other” section where regulation requires insurance to be disclosure under “Homeowner’s Insurance” section. Disclosure requirement met, non-material exception for incorrect format/placement. (Fin[Redacted]026)     Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA - 1yr affirmative,  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10232   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10233   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10234   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 2 [2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		   BUYER - GENERAL COMMENT [Redacted]: Please see a copy of the final title policy attached
REVIEWER - GENERAL COMMENT [Redacted]: Final title policy provided as it reflects insufficient coverage of $[Redacted]Please provide revised title evidencing coverage of $[Redacted]Exception remains.
BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change in grading		 1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10235   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10236   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10237   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10238   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10239   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 2 [2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges. No change to grading. 1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10240   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10242   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10243   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10244   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10245   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on [Redacted] disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in “Other” section where regulation requires insurance to be disclosure under “Homeowner’s Insurance” section. Disclosure requirement met, non-material exception for incorrect format/placement. (Fin[Redacted]026)     Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA - 1yr affirmative,  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10246   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10247   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10248   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10249   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10250   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $203.40 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. (7571)
[1] Federal Compliance - 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 $870.00 exceeds tolerance of $850.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)		   REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing
REVIEWER - CURED COMMENT [Redacted]: Sufficient Cure Provided At Closing		       - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10251   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10252   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the Commitment in file.   REVIEWER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change to grading. 1       2 [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $410.00 exceeds tolerance of $310.00 plus 10% or $341.00.  $69.00 over legal limit.  Insufficient or no cure was provided to the borrower. (0) Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% fee violation due to an increase in the Recording fee. No valid COC was provided for this change, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance violation of $69.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. BUYER - GENERAL COMMENT [Redacted]: Please see attached, PCCD and check to address the tolerance violation
REVIEWER - CURED COMMENT [Redacted]: [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.		       - B B B B B B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10253   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10254   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10255   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10256   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10257   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10258   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 2 [2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change to grading. 1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10259   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10260   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 1       1       2 [2] State Compliance - [Redacted] Counseling Agencies Disclosure Not in File: [Redacted] HB1399 - No evidence of required counseling disclosure language per [Redacted] HB 1399.   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges the exception, no change to grading. State Compliance - [Redacted] Counseling Agencies Disclosure Not in File: HB 1399 does not contain express provisions for assignee liability.     - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10261   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10262   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10263   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 2 [2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		   BUYER - WAIVED COMMENT [Redacted]: Seller acknowledges exception, no change in grading 1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10264   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10265   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10266   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10267   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10269   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10271   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10272   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10273   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10219   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10268   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 2 2 [2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		   BUYER - WAIVED COMMENT [Redacted]: Seller accepts; no change to grading. 1       1             - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10270   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10241   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Safe Harbor QM (APOR) 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10090   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 2 2 [2] Miscellaneous - Credit Exception: Lender exception approved for payment shock > 200%. REVIEWER - WAIVED COMMENT [Redacted]: Lender Exception with Compensating Factors provided. Downgraded and Waived. 1       1         Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.		   - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10099   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 2 2 [2] Miscellaneous - Credit Exception:
[2] Miscellaneous - Credit Exception:
[2] Miscellaneous - Credit Exception:
[2] Miscellaneous - Credit Exception:		 Lender exception approved to allow ITIN borrower without valid US Government photo ID.
Lender exception approved to allow borrower's credit to exceed 1 x 30 on non-mortgage accounts. CBR shows  [Redacted] was in arrears as of  [Redacted].
Lender exception approved for payment shock of 287.678% which exceeds the maximum allowed of 200%.
Lender exception approved to allow PTIN. CPA letter, YTD P&L, and Balance sheet were prepared by PTIN.		 BUYER - GENERAL COMMENT [Redacted]: exception
REVIEWER - GENERAL COMMENT [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves.
REVIEWER - GENERAL COMMENT [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves.
BUYER - GENERAL COMMENT [Redacted]: Updated exception form
REVIEWER - WAIVED COMMENT [Redacted]: Lender Exception with Compensating Factors provided. Downgraded and Waived.
BUYER - GENERAL COMMENT [Redacted]: exception
REVIEWER - GENERAL COMMENT [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves.
REVIEWER - GENERAL COMMENT [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves.
BUYER - GENERAL COMMENT [Redacted]: - [Redacted] Child support was already paid and closed, attached is the credit supplement
REVIEWER - WAIVED COMMENT [Redacted]: Lender Exception with Compensating Factors provided. Downgraded and Waived.
BUYER - GENERAL COMMENT [Redacted]: exception
REVIEWER - GENERAL COMMENT [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves.
REVIEWER - GENERAL COMMENT [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves.
BUYER - GENERAL COMMENT [Redacted]: Up
- Reserves updated
- Exception for no US Govt ID (exception 4)
dated exception form
REVIEWER - WAIVED COMMENT [Redacted]: Lender Exception with Compensating Factors provided. Downgraded and Waived.
REVIEWER - GENERAL COMMENT [Redacted]: Guideline exception form shows approval was made to use reserves as a compensating factor. However, calculated reserves are 11.46 months, lender exception form shows 60+ months. Access letters from all additional business owners are required and were not provided.
BUYER - GENERAL COMMENT [Redacted]: exception
REVIEWER - GENERAL COMMENT [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves.
REVIEWER - GENERAL COMMENT [Redacted]: Lender exception form was not updated to reflect the correct number of months reserves.
BUYER - GENERAL COMMENT [Redacted]: Number of reserves updated
REVIEWER - GENERAL COMMENT [Redacted]: Lender exception provided has not been updated to reflect Reserves of [Redacted]lease provide an updated lender exception that discloses 11.46 months in reserves for the compensating factor.
BUYER - GENERAL COMMENT [Redacted]: UPDATED EXCEPTION FORM
REVIEWER - WAIVED COMMENT [Redacted]: Lender Exception with Compensating Factors provided. Downgraded and Waived.		 1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

The qualifying DTI on the loan is at least 10% less than the guideline maximum.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10100   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 3 2 [2] Miscellaneous - Credit Exception:
[2] Document Error - The Commitment or Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.: Title Evidence: Preliminary;
State:  [Redacted]		 Lender exception approved at origination for property condition rating of C4. Per UAD guidelines, not eligible for financing.
The Title Commitment or Preliminary title policy amount was not provided.		 REVIEWER - WAIVED COMMENT [Redacted]: Lender Exception with Compensating Factors provided. Downgraded and Waived.
BUYER - GENERAL COMMENT [Redacted]: Prelim
REVIEWER - GENERAL COMMENT [Redacted]: Title provided does not disclose the Title policy amount.
BUYER - GENERAL COMMENT [Redacted]: Spplement
BUYER - GENERAL COMMENT [Redacted]: This is a dry state closing.  There is no "title policy" issued until several months AFTER closing.
REVIEWER - GENERAL COMMENT [Redacted]: This is a grade 2 exception that can be waived upon client's approval if Prelim title with Title policy amount is not available.
REVIEWER - WAIVED COMMENT [Redacted]: waived		 1       3 [3] State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): [Redacted] Higher-Priced Loan: APR on subject loan of 9.15385% or Final Disclosure APR of 9.38300% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000%.  Compliant Higher Priced Loan.
[3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.15385% or Final Disclosure APR of 9.38300% is equal to or greater than the threshold of APOR 6.02% + 1.5%, or 7.52000%.  Compliant Higher Priced Mortgage Loan.		     State Compliance - (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Assignee Liability is unclear.  The provisions of the Act may only be enforced by the Attorney General or the licensed person’s licensing agency.  Any person who willfully and knowingly violates any provision of the Act shall be liable for a civil penalty of not more than $10,000 for each violation. A prepayment penalty or yield spread premium provision of a higher-priced mortgage loan that violates the Act shall be unenforceable.

Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.		 Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has worked in the same position for more than 3 years.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

Miscellaneous		   State HPML - Compliant B B B B B A A A A A A A A A A B B B B B
  CMLTI 2026-LTV1-10315   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Cash-out - Other Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10300   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10316   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Non QM 2 1       1       2 [2] State Compliance - [Redacted] HPML Threshold Test Compliant: [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of 7.71215% or Final Disclosure APR of 7.71200% is equal to or greater than the threshold of APOR 6.13% + 1.5%, or 7.63000% Compliant Higher Priced Loan.   BUYER - GENERAL COMMENT [Redacted]: HPML signed at docs
REVIEWER - GENERAL COMMENT [Redacted]: EV2 information finding, lender cert provided confirms. The finding may be waived at lender request. (EV2-B grade file)
BUYER - WAIVED COMMENT [Redacted]: please waive, thank you!		       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10317   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Refinance Rate/Term Non QM 2 1       1       2 [2] State Compliance - [Redacted] HPML Threshold Test Compliant: [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of 7.71095% or Final Disclosure APR of 7.75800% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000% Compliant Higher Priced Loan.   BUYER - GENERAL COMMENT [Redacted]: HPML disclosure
REVIEWER - GENERAL COMMENT [Redacted]: State Specific HPML compliant, may be waived resulting in an EV2-B rating.
BUYER - WAIVED COMMENT [Redacted]: please waive		       - A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10319   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 3 1       1       3 [3] Federal Compliance - Federal HPML 2014 Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.71854% or Final Disclosure APR of 7.73600% is equal to or greater than the threshold of APOR 6.10% + 1.5%, or 7.60000%.  Compliant Higher Priced Mortgage Loan.
[2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.		 Federal Compliance - Federal HPML 2014 Compliant: Compliant HPML, nothing required from lender. BUYER - GENERAL COMMENT [Redacted]: updated apprsl review uploaded
REVIEWER - GENERAL COMMENT [Redacted]: Document provided is not fulfilling the requirement of appraisal receipt for Desk review. Require appraisal delivery after [Redacted]. Exception Remains.
BUYER - WAIVED COMMENT [Redacted]: waiving		 Federal Compliance - Federal HPML 2014 Compliant: TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.     FHPML - Compliant A A A A A B B B B B A A A A A B B B B B
  CMLTI 2026-LTV1-10321   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10322   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10320   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10324   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10326   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10325   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10285   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10289   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10286   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10287   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10288   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Second Home Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
  CMLTI 2026-LTV1-10284   [Redacted] XXXX [Redacted] [Redacted] [Redacted] Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A