UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-D

ASSET-BACKED ISSUER DISTRIBUTION REPORT

PURSUANT TO SECTION 13 OR 15(d) OF

THE SECURITIES EXCHANGE ACT OF 1934

For the monthly distribution period from:

December 27, 2025 to January 26, 2026

Commission File Number of issuing entity: 333-179292-08

Central Index Key Number of issuing entity: 0001567958

Sequoia Mortgage Trust 2013-3

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

Commission File Number of depositor: 333-179292

Central Index Key Number of depositor: 0001176320

Sequoia Residential Funding, Inc.

(Exact name of depositor as specified in its charter)

Central Index Key Number of sponsor: 0001530239

RWT Holdings, Inc.

(Exact name of sponsor as specified in its charter)

Jeremy P. Strom

(720) 627-8472

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

New York

(State or other jurisdiction of incorporation or organization of the issuing entity)

38-3903315

38-3903316

(I.R.S. Employer Identification No.)

c/o Citibank, N.A.

388 Greenwich Street Trading, 4^th Floor

New York, New York

10013

(Address of principal executive offices of the issuing entity)

(Zip Code)

(212) 816-5693

(Telephone number, including area code)


	Registered/reporting pursuant to (check one)			Name of exchange (If Section 12(b))
Title of class	Section 12(b)	Section 12(g)	Section 15(d)	Name of exchange (If Section 12(b))
A-1	¨	¨	x

A-2	¨	¨	x

A-IO1	¨	¨	x

A-IO2	¨	¨	x

B-1	¨	¨	x

B-2	¨	¨	x

B-3	¨	¨	x

B-4	¨	¨	x

B-5	¨	¨	x

LT-R	¨	¨	x

R	¨	¨	x

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes x No ¨

PART I – DISTRIBUTION INFORMATION

Item 1. Distribution and Pool Performance Information.

On January 26, 2026, a distribution was made to holders of the certificates issued by Sequoia Mortgage Trust 2013-3.

The distribution report is attached as Exhibit 99.1 to this Form 10-D.

No assets securitized by Sequoia Residential Funding, Inc. (the “Depositor”) and held by Sequoia Mortgage Trust 2013-3 were the subject of a demand to repurchase or replace for breach of the representations and warranties during the monthly distribution period from December 27, 2025 to January 26, 2026.

RWT Holdings, Inc. (the “Securitizer”), an affiliate of the Depositor, is the sponsor and the Securitizer of assets held by Sequoia Mortgage Trust 2013-3. The Securitizer filed its first Form ABS-15G on February 6, 2012, and most recently filed its Form ABS-15G on February 6, 2025. The CIK number of the Securitizer is 0001530239.

PART II – OTHER INFORMATION

Item 10. Exhibits.

(a) The following is a list of documents filed as part of this Report on Form 10-D:

(99.1): Monthly report distributed to holders of the certificates issued by Sequoia Mortgage Trust 2013-3, relating to the January 26, 2026 distribution.

(b) The exhibits required to be filed by the Registrant pursuant to this Form 10-D are listed above and in the Exhibit Index that immediately follows the signature page hereof.

EXHIBIT INDEX


Exhibit Number		Description

Exhibit 99.1		Monthly report distributed to holders of the certificates issued by Sequoia Mortgage Trust 2013-3, relating to the January 26, 2026 distribution.

SIGNATURES

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

Sequoia Residential Funding, Inc.

(Depositor)

/s/ Jeremy P. Strom

Jeremy P. Strom, President & Senior Officer in Charge of Securitization

Date: February 9, 2026

Sequoia Mortgage Trust 2013-3 10-D