Exhibit 99.6
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031178 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031178 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031178 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016548 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016548 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016548 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016550 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016550 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016550 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002399 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002399 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002399 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
7948960 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
7948960 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
7948960 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
7948973 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
1 | 1 | 1 | 1 | |||||||||||||||||||||
| XXXX |
7948973 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
1 | 1 | 1 | 1 | |||||||||||||||||||||
| XXXX |
7948973 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
1 | 1 | 1 | 1 | |||||||||||||||||||||
| XXXX |
7948992 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
1 | 1 | 3 | 2 | |||||||||||||||||||||
| XXXX |
7948992 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
1 | 1 | 3 | 2 | |||||||||||||||||||||
| XXXX |
7948992 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
7949015 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
1 | 1 | 1 | 1 | |||||||||||||||||||||
| XXXX |
7949015 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
1 | 1 | 1 | 1 | |||||||||||||||||||||
| XXXX |
7949015 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
1 | 1 | 1 | 1 | |||||||||||||||||||||
| XXXX |
7959351 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
1 | 1 | 1 | 1 | |||||||||||||||||||||
| XXXX |
7959351 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
1 | 1 | 1 | 1 | |||||||||||||||||||||
| XXXX |
7959351 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
1 | 1 | 1 | 1 | |||||||||||||||||||||
| XXXX |
7959408 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
1 | 1 | 3 | 2 | |||||||||||||||||||||
| XXXX |
7959408 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
1 | 1 | 3 | 2 | |||||||||||||||||||||
| XXXX |
7959408 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
7970482 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
7970482 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
7970482 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
7970488 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
7970488 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
7970488 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031180 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031180 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031180 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002400 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002400 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002400 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8002401 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002401 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002401 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8002404 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8002404 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) Additional paystubs provided. |
Response 1 (XX/XX/XXXX XX:XXAM) Documentation is sufficient. DTI is supported. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8002404 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8016553 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016553 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016553 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002406 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002406 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002406 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002407 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002407 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002407 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002408 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002408 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002408 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8002409 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002409 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002409 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002410 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002410 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002410 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002411 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002411 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002411 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002412 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002412 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002412 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016554 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016554 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016554 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016555 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016555 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016555 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002413 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002413 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002413 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016556 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016556 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016556 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002414 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002414 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002414 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002415 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002415 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002415 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031181 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031181 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031181 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002416 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002416 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002416 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002417 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002417 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002417 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016557 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016557 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016557 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002418 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002418 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002418 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002419 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002419 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002419 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002420 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002420 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002420 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002421 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002421 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002421 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002422 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002422 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002422 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002424 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002424 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002424 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8002425 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002425 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002425 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002426 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002426 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002426 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002427 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002427 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002427 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002428 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002428 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002428 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002429 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002429 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002429 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002430 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002430 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002430 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002431 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002431 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002431 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002432 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002432 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002432 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002433 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002433 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002433 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002434 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002434 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002434 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016558 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016558 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016558 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002435 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002435 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002435 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002436 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002436 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002436 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002437 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002437 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002437 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002438 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002438 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002438 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002440 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002440 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002440 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002441 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002441 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002441 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8002442 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002442 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002442 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002443 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002443 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002443 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002444 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002444 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002444 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8002445 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002445 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002445 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016559 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016559 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016559 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002446 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002446 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002446 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002447 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002447 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002447 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002450 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002450 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002450 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002451 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002451 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002451 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031182 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031182 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031182 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002452 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002452 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002452 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002453 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002453 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002453 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002454 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002454 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002454 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8002455 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002455 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002455 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002456 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002456 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002456 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002458 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002458 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002458 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8016561 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016561 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016561 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002460 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002460 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002460 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002461 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002461 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002461 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002462 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002462 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002462 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002463 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002463 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002463 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8002464 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002464 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002464 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002465 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002465 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002465 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8002466 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002466 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002466 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002469 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002469 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002469 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002471 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002471 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002471 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8016562 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016562 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016562 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002472 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002472 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002472 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002473 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002473 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002473 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002474 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002474 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002474 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002475 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002475 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002475 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002476 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002476 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002476 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002477 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002477 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002477 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8002478 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002478 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002478 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002479 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002479 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002479 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002481 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002481 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002481 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016564 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016564 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016564 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002482 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002482 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002482 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8002483 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002483 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002483 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002484 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002484 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002484 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002486 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002486 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002486 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016565 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016565 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016565 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002487 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002487 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002487 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8002488 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002488 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002488 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002489 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002489 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002489 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002490 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002490 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002490 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002492 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002492 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002492 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002494 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002494 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002494 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002495 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002495 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002495 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002496 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002496 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002496 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002497 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002497 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002497 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002498 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002498 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002498 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016566 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 2 | 1 | ||||||||||||||||||||||
| XXXX |
8016566 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Income Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX and asset depletion of $XXXX for a total of $XXXX, which is a XXX% variance. The DTI of XXXX% is within the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) SSI income provided. |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation is sufficient. (Resolved) |
2 | 1 | 2 | 1 | |||||||||||||||||||
| XXXX |
8016566 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016567 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016567 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016567 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002499 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002499 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002499 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031183 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031183 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031183 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002500 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002500 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002500 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002501 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002501 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002501 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002502 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002502 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002502 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002503 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002503 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002503 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002504 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002504 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002504 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002505 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002505 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002505 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002506 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002506 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002506 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8002507 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002507 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002507 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002508 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002508 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002508 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002509 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002509 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002509 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002510 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002510 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002510 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002511 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002511 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002511 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002513 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002513 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002513 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002514 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002514 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002514 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8002516 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8002516 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX and asset depletion of $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) Additional paystubs provided. |
Response 1 (XX/XX/XXXX XX:XXAM) Documentation is sufficient. DTI is supported. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8002516 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8002517 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002517 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002517 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002518 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002518 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002518 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8002519 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002519 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002519 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002520 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002520 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002520 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002521 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002521 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002521 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002522 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002522 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002522 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002523 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002523 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002523 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002524 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002524 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002524 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016568 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016568 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016568 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002525 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002525 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002525 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002526 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002526 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002526 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002527 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002527 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002527 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8002528 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002528 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002528 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8002529 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002529 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002529 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002530 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002530 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002530 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002531 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002531 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002531 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8002532 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8002532 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX and asset depletion of $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) The annualized income of $XXXX is based on a payroll length of XXX days, with the first pay date on XXXX-XX-XX and the last pay date on XXXX-XX-XX. The rest is asset depletion. |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8002532 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8002533 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002533 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002533 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002534 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002534 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002534 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016569 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016569 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016569 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8002535 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002535 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002535 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002536 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002536 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002536 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016570 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016570 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016570 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002538 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002538 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002538 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002540 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002540 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002540 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002541 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002541 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002541 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8002542 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002542 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002542 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002543 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002543 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002543 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002544 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002544 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002544 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016571 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016571 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016571 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8002546 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002546 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002546 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002547 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002547 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002547 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8002548 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002548 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002548 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002549 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002549 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002549 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002550 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002550 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002550 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002551 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002551 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002551 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002553 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002553 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002553 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002554 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002554 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002554 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002555 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002555 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002555 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8002556 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002556 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002556 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002557 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002557 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002557 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031184 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031184 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031184 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031185 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031185 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031185 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8002559 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002559 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002559 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016572 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016572 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016572 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002560 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002560 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002560 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002561 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002561 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002561 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016573 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016573 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016573 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002562 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002562 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002562 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016574 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016574 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016574 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002563 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002563 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002563 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016575 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016575 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016575 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016576 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016576 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016576 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002564 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002564 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002564 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002565 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002565 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002565 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016577 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016577 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016577 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002566 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002566 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002566 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002567 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002567 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002567 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002568 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002568 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002568 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002569 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002569 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002569 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002570 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002570 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8002570 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002571 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002571 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002571 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8002572 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002572 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002572 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002573 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002573 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002573 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002574 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002574 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002574 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002575 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002575 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002575 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002576 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002576 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002576 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002577 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002577 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8002577 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016579 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016579 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016579 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016580 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016580 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016580 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016581 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016581 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016581 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8002580 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002580 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8002580 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016582 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016582 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016582 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8016583 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8016583 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Income Variance | XXXX | The income documents in the loan file do not support the income used at origination within 10% variance. The DTI increased from XXXX% to XXXX%. The variance does not cause the DTI to increase above the guideline maximum DTI. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8016583 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8016584 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016584 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016584 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016585 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016585 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016585 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016586 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016586 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016586 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016588 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016588 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016588 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016589 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016589 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016589 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016590 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016590 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016590 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016591 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016591 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016591 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016592 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016592 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016592 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016593 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016593 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016593 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016595 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016595 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016595 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016596 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the Maryland prohibited lender fees test. This loan failed the points and fees threshold test due to one of the following findings: (XX XX XXX, XXX Code Ann., Com. Law §12-124.1(a)(2))The latest available closing date (or date creditor received application) is on or after XX/XX/XXXX and the date creditor received application is before XX/XX/XXXX, and the total points and fees, as defined in HOEPA (Section 32), payable by the consumer at or before loan closing exceed the greater of 7% of the total loan amount, as defined in HOEPA (Section 32), or $XXXX; orThe date creditor received application is on or after XX/XX/XXXX. The loan amount is $XXXX or more, and the transaction’s total points and fees is $XXXX, which exceeds 4 percent of the total loan amount of $XXXX. However, Borrower and Lender agreed within the Note that the terms were to be made under and governed by Subtitle 9, Credit Grantor Revolving Credit Provisions, of Title 12 of the Commercial Law Article of the Annotated Code of XXXX, except as preempted by Federal Law. 10% threshold applies. Informational Only. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016596 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016596 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016597 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016597 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016597 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016598 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016598 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016598 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016599 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016599 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016599 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016600 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016600 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016600 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016603 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016603 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016603 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016604 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016604 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016604 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016606 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016606 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016606 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016607 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016607 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016607 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016609 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016609 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016609 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016611 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016611 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016611 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016612 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016612 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016612 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039776 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039776 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039776 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXPM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016613 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016613 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016613 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031186 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031186 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031186 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8016614 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016614 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016614 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031187 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031187 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031187 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016615 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016615 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016615 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016616 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016616 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016616 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016617 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016617 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016617 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016618 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016618 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016618 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016619 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016619 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016619 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8031188 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031188 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031188 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016621 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the Maryland prohibited lender fees test. This loan failed the points and fees threshold test due to one of the following findings: (XX XX XXX, XXX Code Ann., Com. Law §12-124.1(a)(2))The latest available closing date (or date creditor received application) is on or after XX/XX/XXXX and the date creditor received application is before XX/XX/XXXX, and the total points and fees, as defined in HOEPA (Section 32), payable by the consumer at or before loan closing exceed the greater of 7% of the total loan amount, as defined in HOEPA (Section 32), or $XXXX; orThe date creditor received application is on or after XX/XX/XXXX. The loan amount is $XXXX or more, and the transaction’s total points and fees is $XXXX, which exceeds 4 percent of the total loan amount of $XXXX. However, Borrower and Lender agreed within the Note that the terms were to be made under and governed by Subtitle 9, Credit Grantor Revolving Credit Provisions, of Title 12 of the Commercial Law Article of the Annotated Code of XXXX, except as preempted by Federal Law. 10% threshold applies. Informational Only. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016621 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016621 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016623 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016623 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016623 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016624 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016624 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016624 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016625 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016625 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016625 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016626 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016626 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016626 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016627 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX | 8016627 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016627 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031189 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031189 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031189 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016628 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016628 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016628 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016629 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016629 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016629 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016630 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016630 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016630 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016631 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016631 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016631 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016632 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016632 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016632 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8016633 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016633 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016633 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016634 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016634 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016634 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039777 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039777 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039777 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016635 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016635 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016635 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016636 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the Iowa prohibited lender fees test. The loan failed the origination and processing fees test due to one or more of the following findings:The loan is Home Acquisition Loan (XXXX Code §535.8(1)), and charges a loan origination or processing fee, a broker fee, or both, which together exceed two percent (2%) of an amount which is equal to the loan principal; or one percent (1%) of the unpaid balance that is refinanced by the same lender (XXXX Code §535.8(4)(a)). . This test includes the following fees: Origination fee $XXXX. The loan fails the prohibited fees test by $XXXX. However, per 535.8(1)(b) does in not include HELOCs in its definition of a “Loan”. Informational Only.? | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8016636 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Income Variance | XXXX | The income documents in the loan file do not support the income used at origination within 10% variance. The DTI increased from XXXX% to XXXX%. The variance does not cause the DTI to increase above the guideline maximum DTI. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8016636 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8016637 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016637 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016637 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016638 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016638 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016638 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016639 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016639 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016639 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016640 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016640 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016640 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016641 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016641 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016641 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016642 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016642 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016642 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016643 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016643 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016643 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8016644 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016644 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016644 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031190 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031190 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031190 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016645 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016645 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016645 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8016646 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016646 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016646 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016647 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016647 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016647 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016648 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016648 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016648 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016649 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016649 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016649 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016650 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016650 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016650 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031191 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031191 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031191 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016651 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016651 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016651 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016652 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016652 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016652 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031192 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031192 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031192 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016653 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016653 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016653 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016654 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016654 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016654 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016655 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the Maryland prohibited lender fees test. This loan failed the points and fees threshold test due to one of the following findings: (XX XX XXX, XXX Code Ann., Com. Law §12-124.1(a)(2))The latest available closing date (or date creditor received application) is on or after XX/XX/XXXX and the date creditor received application is before XX/XX/XXXX, and the total points and fees, as defined in HOEPA (Section 32), payable by the consumer at or before loan closing exceed the greater of 7% of the total loan amount, as defined in HOEPA (Section 32), or $XXXX; orThe date creditor received application is on or after XX/XX/XXXX. The loan amount is $XXXX or more, and the transaction’s total points and fees is $XXXX, which exceeds 4 percent of the total loan amount of $XXXX. However, Borrower and Lender agreed within the Note that the terms were to be made under and governed by Subtitle 9, Credit Grantor Revolving Credit Provisions, of Title 12 of the Commercial Law Article of the Annotated Code of XXXX, except as preempted by Federal Law. 10% threshold applies. Informational Only. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016655 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016655 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016656 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016656 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016656 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016657 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016657 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016657 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016659 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016659 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016659 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016660 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016660 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016660 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016661 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016661 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016661 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016662 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016662 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016662 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031193 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031193 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031193 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016663 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016663 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016663 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031194 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031194 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031194 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031195 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031195 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031195 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016664 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016664 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016664 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016665 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016665 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016665 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016666 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016666 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016666 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016667 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016667 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016667 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016669 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016669 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016669 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016670 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016670 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016670 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016672 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016672 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016672 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016673 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016673 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016673 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031196 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031196 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031196 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016674 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016674 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016674 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016675 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016675 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016675 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016676 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016676 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016676 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016677 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016677 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016677 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016678 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016678 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016678 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016679 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016679 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016679 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016680 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016680 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016680 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016681 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016681 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016681 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016683 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016683 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016683 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016684 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016684 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016684 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016685 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016685 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016685 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016686 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016686 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016686 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016687 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016687 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016687 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016688 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016688 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016688 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016689 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016689 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016689 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016690 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016690 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016690 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016691 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016691 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016691 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016692 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the interest rate test. XX Statute Title XXX-X-XXX. The loan has an interest rate that does not conform to the requirements for the lender’s license type in the state where the property is located. | Void | Rebuttal 1 (XX/XX/XXXX XX:XXAM) Seller rebuttal. |
Response 1 (XX/XX/XXXX XX:XXPM) Finding voided. (Void) |
1 | 1 | 1 | 1 | |||||||||||||||||||
| XXXX |
8016692 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016692 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016693 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016693 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016693 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016694 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016694 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016694 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016695 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016695 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016695 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031197 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031197 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031197 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016696 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016696 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016696 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016697 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016697 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016697 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016698 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016698 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016698 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016699 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016699 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016699 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016700 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016700 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016700 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016701 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016701 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016701 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016702 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016702 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016702 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016703 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016703 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016703 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016704 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016704 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016704 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016705 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016705 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016705 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016706 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016706 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016706 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016707 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016707 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016707 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039778 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039778 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039778 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8016708 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016708 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016708 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016709 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016709 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016709 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016710 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016710 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016710 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016711 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016711 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016711 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016712 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016712 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016712 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016713 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016713 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016713 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8031199 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031199 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031199 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016714 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016714 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016714 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016716 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016716 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016716 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031200 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031200 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031200 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016717 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016717 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016717 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016718 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016718 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016718 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016719 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016719 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016719 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016720 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016720 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016720 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016721 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016721 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016721 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031201 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031201 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031201 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039779 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039779 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039779 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8016723 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016723 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016723 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016724 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016724 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016724 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8016725 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016725 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016725 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031202 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031202 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031202 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031203 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031203 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031203 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016726 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016726 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016726 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016727 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016727 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016727 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016728 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016728 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016728 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016729 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016729 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016729 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016731 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016731 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016731 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016732 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016732 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016732 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031204 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031204 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031204 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031205 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031205 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031205 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016733 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the Iowa prohibited lender fees test. The loan failed the origination and processing fees test due to one or more of the following findings:The loan is Home Acquisition Loan (XXXX Code §535.8(1)), and charges a loan origination or processing fee, a broker fee, or both, which together exceed two percent (2%) of an amount which is equal to the loan principal; or one percent (1%) of the unpaid balance that is refinanced by the same lender (XXXX Code §535.8(4)(a)). . This test includes the following fees: Origination fee $XXXX. The loan fails the prohibited fees test by $XXXX. However, per 535.8(1)(b) does in not include HELOCs in its definition of a “Loan”. Informational Only.? | Acknowledged | 1 | 1 | 1 | 1 | |||||||||||||||||||||
| XXXX |
8016733 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016733 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016734 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016734 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8016734 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031206 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031206 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031206 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8016735 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016735 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016735 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031207 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031207 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031207 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016736 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016736 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016736 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031208 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031208 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031208 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031209 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031209 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031209 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016737 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016737 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016737 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016738 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016738 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016738 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031210 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031210 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031210 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016739 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016739 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016739 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8016740 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016740 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8016740 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8031211 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031211 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031211 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8031212 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031212 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031212 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016742 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016742 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016742 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016743 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016743 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016743 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039780 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039780 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039780 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031213 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031213 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031213 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016744 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016744 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8016744 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031214 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031214 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031214 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031215 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031215 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031215 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031216 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031216 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031216 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039781 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039781 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039781 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031218 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031218 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031218 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031219 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031219 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031219 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031220 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031220 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031220 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031221 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031221 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031221 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031222 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031222 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031222 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031223 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031223 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031223 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031224 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031224 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031224 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031225 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031225 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031225 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039783 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039783 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039783 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031226 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031226 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031226 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031227 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031227 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031227 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031228 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031228 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031228 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031229 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031229 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031229 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031230 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031230 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031230 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031231 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031231 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031231 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039784 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039784 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039784 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031232 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031232 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031232 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031234 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031234 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031234 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031235 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8031235 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) Additional paystubs provided. |
Response 1 (XX/XX/XXXX XX:XXAM) Documentation is sufficient. DTI is supported. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8031235 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8031236 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031236 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031236 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031237 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031237 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031237 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031238 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031238 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031238 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031239 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031239 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031239 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031240 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031240 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031240 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039785 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039785 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039785 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031241 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031241 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031241 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031242 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031242 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031242 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031243 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031243 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031243 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031244 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031244 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031244 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031245 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031245 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031245 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031246 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031246 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031246 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031247 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031247 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031247 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031248 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031248 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031248 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039786 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039786 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039786 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031249 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031249 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031249 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8031250 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031250 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031250 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031251 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031251 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031251 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031252 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031252 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031252 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031253 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031253 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031253 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8031254 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031254 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031254 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039787 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039787 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039787 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031255 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031255 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031255 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031256 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031256 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031256 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031257 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031257 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031257 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031258 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8031258 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX and asset depletion of $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Theapplicant’s XX paychecks (XX at $XXXX and XX at $XXXX) total $XXXX over XXX days. Annualized, this equals $XXXX. Adding $XXXX in asset incomebrings the total to $XXXX. The stated income of $XXXX aligns and has beentaken as final. Per our UWG formula: REGULAR_COMP = (Total Regular Income ÷ Payroll Length) × XXX |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8031258 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8031260 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031260 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031260 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031263 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031263 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031263 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031264 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031264 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031264 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039788 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039788 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039788 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080680 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080680 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080680 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031265 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031265 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031265 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031266 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031266 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031266 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039789 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039789 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039789 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031267 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031267 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031267 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031268 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031268 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031268 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031269 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031269 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031269 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031271 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031271 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031271 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031272 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031272 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031272 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031273 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031273 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031273 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031274 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031274 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031274 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031275 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031275 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031275 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031276 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan is a rate restricted loan. (XXXX. Stat. §58.137.2(c)). The loan has an interest rate that does not conform to the requirements for the lender’s license type in the state where the property is located. Per counsel, the violation does not carry assignee liability. They are not violations of state high cost or anti predatory laws. Informational only. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031276 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031276 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8039790 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039790 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039790 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031277 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031277 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031277 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031278 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031278 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031278 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031279 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031279 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031279 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031280 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031280 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031280 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031281 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031281 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031281 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031282 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031282 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031282 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031283 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031283 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031283 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080681 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080681 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080681 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031284 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031284 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031284 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080682 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080682 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080682 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031285 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031285 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031285 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039791 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039791 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039791 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031286 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031286 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031286 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031287 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031287 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031287 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031288 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Trust Missing | XXXX | Title to the Property is held in a Trust, but the Trust Document is missing. Unable to determine if signatures on the Security Instrument are accurate. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) Docs provided. |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8031288 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8031288 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031289 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031289 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031289 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031290 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031290 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031290 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031291 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031291 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031291 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031292 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031292 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031292 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039793 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039793 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039793 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8031293 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031293 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031293 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031294 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031294 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031294 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031295 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031295 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031295 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031296 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031296 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031296 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080683 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080683 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080683 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031297 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031297 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031297 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039794 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039794 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039794 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031298 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031298 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031298 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031299 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031299 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031299 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039795 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the points and fees threshold test due to one of the following findings: (XX XX XXX, XXX Code Ann., Com. Law §12-124.1(a)(2)). The loan amount is $XXXX or more, and the transaction’s total points and fees is $XXXX, which exceeds 4 percent of the total loan amount of $XXXX. However, Borrower and Lender agreed within the Note that the terms were to be made under and governed by Subtitle 9, Credit Grantor Revolving Credit Provisions, of Title 12 of the Commercial Law Article of the Annotated Code of XXXX, except as preempted by Federal Law. 10% threshold applies. Informational Only. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039795 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039795 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039796 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039796 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039796 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8031300 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the Iowa prohibited lender fees test. The loan failed the origination and processing fees test due to one or more of the following findings: The loan is Home Acquisition Loan (XXXX Code §535.8(1)), and charges a loan origination or processing fee, a broker fee, or both, which together exceed two percent (2%) of an amount which is equal to the loan principal; or one percent (1%) of the unpaid balance that is refinanced by the same lender (XXXX Code §535.8(4)(a)). . This test includes the following fees: Origination fee $XXXX. The loan fails the prohibited fees test by $XXXX. However, per 535.8(1)(b) does in not include HELOCs in its definition of a “Loan”. Informational Only.? | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031300 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031300 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031301 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031301 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031301 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039797 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039797 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039797 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031302 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031302 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031302 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031304 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031304 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031304 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080684 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080684 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080684 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031305 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031305 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031305 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031306 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031306 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031306 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031307 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031307 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031307 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031308 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031308 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031308 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080685 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080685 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080685 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031309 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031309 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031309 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031310 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031310 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031310 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080686 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080686 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080686 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031311 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031311 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031311 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031312 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031312 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031312 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031313 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031313 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031313 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031314 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031314 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031314 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031315 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031315 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031315 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039798 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039798 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039798 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031316 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031316 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031316 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039799 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039799 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039799 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039800 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039800 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039800 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031317 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031317 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031317 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031318 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031318 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031318 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039801 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039801 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039801 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031319 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031319 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031319 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080687 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080687 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080687 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031320 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031320 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031320 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031321 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031321 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031321 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080688 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080688 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080688 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039802 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039802 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039802 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031322 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031322 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031322 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080689 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080689 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080689 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031323 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031323 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031323 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031324 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031324 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031324 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031325 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031325 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031325 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031326 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031326 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031326 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031327 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031327 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031327 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031328 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031328 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031328 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031329 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031329 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031329 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031330 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031330 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031330 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031331 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031331 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031331 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039803 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039803 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039803 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031332 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031332 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031332 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8031333 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the Iowa prohibited lender fees test. The loan failed the origination and processing fees test due to one or more of the following findings:The loan is Home Acquisition Loan (XXXX Code §535.8(1)), and charges a loan origination or processing fee, a broker fee, or both, which together exceed two percent (2%) of an amount which is equal to the loan principal; or one percent (1%) of the unpaid balance that is refinanced by the same lender (XXXX Code §535.8(4)(a)). . This test includes the following fees: Origination fee $XXXX. The loan fails the prohibited fees test by $XXXX. However, per 535.8(1)(b) does in not include HELOCs in its definition of a “Loan”. Informational Only.? | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031333 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031333 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031334 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031334 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031334 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031335 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031335 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031335 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080690 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080690 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080690 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039804 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039804 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039804 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031336 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The last owner on record is Shel Wiener and not our borrower Patricia Brinewiener. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) Docs provided. Rebuttal 2 (XX/XX/XXXX XX:XXPM) Docs provided. |
Response 1 (XX/XX/XXXX XX:XXAM) A certificate of death was provided for the current owner of record, XXXX, however documentation is required reflecting how XXXX became the beneficiary/owner with vested interest. (Upheld)
Response 2 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8031336 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8031336 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8031337 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031337 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031337 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8031338 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031338 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031338 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031339 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031339 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031339 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031340 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031340 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031340 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080691 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the Iowa prohibited lender fees test. The loan failed the origination and processing fees test due to one or more of the following findings:The loan is Home Acquisition Loan (XXXX Code §535.8(1)), and charges a loan origination or processing fee, a broker fee, or both, which together exceed two percent (2%) of an amount which is equal to the loan principal; or one percent (1%) of the unpaid balance that is refinanced by the same lender (XXXX Code §535.8(4)(a)). . This test includes the following fees: Origination fee $XXXX. The loan fails the prohibited fees test by $XXXX. However, per 535.8(1)(b) does in not include HELOCs in its definition of a “Loan”. Informational Only.? | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080691 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080691 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8031341 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031341 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031341 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031342 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031342 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8031342 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080692 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080692 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080692 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080693 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080693 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080693 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080694 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080694 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080694 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031343 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031343 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031343 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031344 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031344 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031344 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031345 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031345 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031345 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039805 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039805 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039805 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031346 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031346 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031346 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031347 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031347 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031347 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031348 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031348 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031348 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031349 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031349 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031349 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8031350 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031350 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031350 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031353 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031353 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031353 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031354 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031354 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031354 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031355 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031355 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031355 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080695 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080695 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080695 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080696 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080696 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080696 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039806 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039806 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039806 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031356 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031356 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031356 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031358 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031358 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031358 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039807 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039807 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039807 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039808 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039808 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039808 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039809 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039809 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039809 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080697 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080697 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080697 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031359 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031359 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031359 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031360 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031360 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031360 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8031361 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031361 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031361 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039810 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039810 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039810 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031362 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031362 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031362 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031363 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 2 | 1 | ||||||||||||||||||||||
| XXXX |
8031363 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Income Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX, which is a XXX% variance. The DTI of XXXX% is within the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) XXXX tax transcript provided. |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation is sufficient. (Resolved) |
2 | 1 | 2 | 1 | |||||||||||||||||||
| XXXX |
8031363 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 1 | ||||||||||||||||||||||
| XXXX |
8031364 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031364 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031364 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080698 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080698 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080698 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039811 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039811 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039811 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080699 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080699 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080699 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039812 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039812 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039812 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039813 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039813 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039813 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080700 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080700 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080700 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080701 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080701 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080701 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031367 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031367 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031367 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031368 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031368 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031368 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031369 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031369 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031369 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031370 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031370 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031370 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039815 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039815 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039815 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039816 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039816 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039816 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8039817 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039817 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039817 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8039818 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039818 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039818 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080702 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080702 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080702 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039819 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039819 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039819 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039820 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039820 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039820 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080703 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080703 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080703 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031372 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031372 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031372 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031373 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031373 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031373 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080704 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080704 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080704 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031374 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031374 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031374 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039821 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Note - Missing Signature | XXXX | The Note was not fully executed by the borrower. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Executed Note |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8039821 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8039821 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8031375 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031375 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031375 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080705 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080705 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080705 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039822 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039822 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039822 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039823 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039823 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039823 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039824 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039824 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039824 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080707 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080707 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080707 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080708 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080708 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080708 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031376 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031376 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031376 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039826 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039826 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039826 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031377 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031377 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031377 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080709 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080709 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080709 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039827 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039827 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039827 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039828 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039828 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039828 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039829 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the points and fees threshold test due to one of the following findings: (XX XX XXX, XXX Code Ann., Com. Law §12-124.1(a)(2)). The loan amount is $XXXX or more, and the transaction’s total points and fees is $XXXX, which exceeds 4 percent of the total loan amount of $XXXX. However, Borrower and Lender agreed within the Note that the terms were to be made under and governed by Subtitle 9, Credit Grantor Revolving Credit Provisions, of Title 12 of the Commercial Law Article of the Annotated Code of XXXX, except as preempted by Federal Law. 10% threshold applies. Informational Only. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039829 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039829 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080710 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080710 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080710 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039831 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039831 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039831 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8039832 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039832 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039832 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8039833 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039833 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039833 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8039834 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039834 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039834 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039835 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039835 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039835 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8031378 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031378 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8031378 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080712 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080712 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080712 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080713 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080713 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080713 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080714 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080714 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080714 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080715 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080715 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080715 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039836 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039836 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039836 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080716 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080716 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080716 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080717 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080717 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080717 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080718 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080718 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080718 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039837 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039837 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039837 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039838 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039838 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039838 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080719 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080719 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080719 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039839 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039839 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039839 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080721 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080721 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080721 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080722 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080722 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080722 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039840 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039840 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039840 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080723 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080723 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080723 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039841 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Condo Rider did not disclose the name of the Condominium project. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Docs uploaded |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8039841 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8039841 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8039842 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039842 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039842 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039843 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039843 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039843 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039844 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039844 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039844 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039845 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039845 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039845 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080724 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080724 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080724 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080725 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080725 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080725 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080726 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080726 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080726 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080727 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080727 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080727 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080728 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080728 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080728 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080729 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080729 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080729 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039846 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039846 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039846 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039847 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039847 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039847 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039848 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039848 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039848 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080730 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing - Prohibited Fees | XXXX | ?The loan failed the Iowa prohibited lender fees test. The loan failed the origination and processing fees test due to one or more of the following findings: The loan is Home Acquisition Loan (XXXX Code §535.8(1)), and charges a loan origination or processing fee, a broker fee, or both, which together exceed two percent (2%) of an amount which is equal to the loan principal; or one percent (1%) of the unpaid balance that is refinanced by the same lender (XXXX Code §535.8(4)(a)). This test includes the following fees: Origination fee $XXXX and Broker fee $XXXX. The loan fails the prohibited fees test by $XXXX. However, per 535.8(1)(b) does not include HELOCs in its definition of a “Loan”. Informational Only. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080730 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080730 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039849 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039849 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039849 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080731 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080731 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080731 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080732 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080732 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080732 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080733 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080733 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080733 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080734 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080734 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080734 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039850 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Condo Rider did not disclose the name of the Condominium project. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039850 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039850 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039851 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039851 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039851 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080735 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080735 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080735 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039852 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039852 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039852 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080736 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080736 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080736 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8039853 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039853 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039853 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080737 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080737 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080737 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080738 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080738 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080738 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039854 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039854 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039854 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080739 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080739 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080739 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8039855 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039855 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039855 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039856 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039856 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039856 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039857 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039857 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039857 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039858 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039858 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039858 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080740 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080740 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080740 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080741 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080741 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080741 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080742 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080742 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080742 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8039860 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039860 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039860 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039861 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039861 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039861 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8039862 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039862 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039862 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039863 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039863 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039863 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039864 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039864 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039864 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039865 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039865 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039865 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8039866 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039866 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039866 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039867 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039867 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039867 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080744 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080744 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080744 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080745 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080745 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080745 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080746 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080746 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080746 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039869 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039869 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039869 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039870 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039870 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039870 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039871 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039871 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039871 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080747 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080747 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080747 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080748 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080748 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080748 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080749 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080749 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080749 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080750 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080750 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080750 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039872 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039872 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039872 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080751 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080751 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080751 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080752 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080752 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080752 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039873 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039873 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039873 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039874 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039874 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039874 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039876 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039876 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039876 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080754 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080754 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080754 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039877 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039877 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039877 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039878 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039878 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039878 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080755 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080755 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080755 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039879 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039879 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039879 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039880 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039880 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039880 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080756 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080756 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080756 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8039881 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039881 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039881 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080757 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080757 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080757 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039882 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039882 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039882 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039883 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039883 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039883 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080758 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080758 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080758 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039884 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the Iowa prohibited lender fees test. The loan failed the origination and processing fees test due to one or more of the following findings:The loan is Home Acquisition Loan (XXXX Code §535.8(1)), and charges a loan origination or processing fee, a broker fee, or both, which together exceed two percent (2%) of an amount which is equal to the loan principal; or one percent (1%) of the unpaid balance that is refinanced by the same lender (XXXX Code §535.8(4)(a)). . This test includes the following fees: Origination fee $XXXX. The loan fails the prohibited fees test by $XXXX. However, per 535.8(1)(b) does in not include HELOCs in its definition of a “Loan”. Informational Only.? | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039884 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039884 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039885 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039885 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039885 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8039886 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039886 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039886 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8039887 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039887 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039887 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8039888 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan is a rate restricted loan. (XXXX Stat. §58.137.2(c)). The loan has an interest rate that does not conform to the requirements for the lender’s license type in the state where the property is located. Per counsel, the violation does not carry assignee liability. They are not violations of state high cost or anti predatory laws. Informational only. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039888 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039888 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039889 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039889 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039889 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080760 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080760 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080760 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8039890 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039890 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039890 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080761 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080761 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080761 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080762 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080762 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080762 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039891 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039891 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039891 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039892 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039892 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039892 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080763 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080763 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080763 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039893 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039893 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039893 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080764 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080764 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080764 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080766 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080766 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080766 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039894 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039894 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039894 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080767 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080767 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080767 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8039895 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039895 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039895 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080768 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080768 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080768 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080769 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080769 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080769 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039896 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039896 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039896 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080770 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8080770 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX and asset depletion of $XXXX for a total of $XXXX. The DTI of XXXX% is within the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Income $XXXX was accurate and followed logiccalc ($XXXX wages + $XXXX Asset Depletion). Weekly pay, calculated based onCurrent Wages using paystub from XX/XX/XXXX to XX/XX/XXXX (pay date XX/XX/XXXX). |
Response 1 (XX/XX/XXXX XX:XXPM) Utilizing YTD of $XXXX for pay period XX/XX/XXXX to XX/XX/XXXX and current pay annualized supports DTI of XXXX%. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8080770 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8039897 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039897 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039897 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8039898 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039898 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039898 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080771 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080771 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080771 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080772 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080772 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080772 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039899 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039899 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039899 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039901 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039901 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039901 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039902 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039902 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039902 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080773 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080773 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080773 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080774 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080774 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080774 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080775 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080775 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080775 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039904 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039904 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039904 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080776 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080776 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080776 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059480 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059480 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059480 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080777 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080777 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080777 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080778 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080778 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080778 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039905 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039905 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039905 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039906 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039906 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039906 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080779 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080779 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080779 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039907 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039907 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039907 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039908 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039908 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039908 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080780 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080780 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080780 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080781 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080781 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080781 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039909 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039909 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039909 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039910 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039910 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039910 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080782 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080782 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080782 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039911 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039911 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039911 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039912 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039912 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039912 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039913 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039913 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039913 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080783 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080783 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080783 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080784 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080784 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080784 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080785 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080785 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080785 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080786 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080786 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080786 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039914 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039914 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039914 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080787 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080787 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080787 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080789 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080789 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080789 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080790 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080790 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080790 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039915 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039915 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039915 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039916 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039916 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039916 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080791 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080791 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080791 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080792 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080792 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080792 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039917 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039917 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039917 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080793 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080793 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080793 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039918 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039918 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039918 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080794 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080794 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080794 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080795 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080795 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080795 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039919 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039919 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039919 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039920 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039920 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039920 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080796 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080796 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080796 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080797 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080797 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080797 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039921 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039921 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039921 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039922 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039922 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039922 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080798 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080798 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080798 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080799 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080799 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080799 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080800 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080800 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080800 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039923 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039923 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039923 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039924 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039924 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039924 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080801 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080801 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080801 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080802 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080802 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080802 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039925 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039925 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8039925 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080803 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080803 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080803 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039926 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039926 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039926 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080804 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080804 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080804 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039927 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039927 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039927 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039928 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039928 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039928 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080805 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080805 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080805 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039929 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039929 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039929 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039930 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039930 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039930 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080806 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080806 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080806 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039931 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039931 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039931 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080807 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080807 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080807 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080808 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080808 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080808 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039932 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039932 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039932 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080809 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080809 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080809 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039933 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039933 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039933 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080810 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080810 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080810 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039934 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039934 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039934 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039935 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039935 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039935 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059481 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059481 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059481 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039936 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039936 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039936 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039937 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039937 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039937 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080811 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080811 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080811 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080812 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080812 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080812 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8039938 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039938 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039938 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039939 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the points and fees threshold test due to one of the following findings: (XX XX XXX, XXX Code Ann., Com. Law §12-124.1(a)(2)). The loan amount is $XXXX or more, and the transaction’s total points and fees is $XXXX, which exceeds 4 percent of the total loan amount of $XXXX. However, Borrower and Lender agreed within the Note that the terms were to be made under and governed by Subtitle 9, Credit Grantor Revolving Credit Provisions, of Title 12 of the Commercial Law Article of the Annotated Code of XXXX, except as preempted by Federal Law. 10% threshold applies. Informational Only. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039939 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039939 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080813 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080813 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080813 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039940 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039940 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039940 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039941 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039941 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039941 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080814 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080814 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080814 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080815 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080815 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080815 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080816 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080816 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080816 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080817 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080817 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080817 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080818 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080818 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080818 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039942 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039942 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039942 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039943 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039943 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039943 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080819 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080819 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080819 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039944 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039944 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039944 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039945 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039945 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039945 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039946 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039946 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039946 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080820 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080820 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080820 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080821 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080821 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080821 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039947 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the points and fees threshold test due to one of the following findings: (XX XX XXX, XXX Code Ann., Com. Law §12-124.1(a)(2)). The loan amount is $XXXX or more, and the transaction’s total points and fees is $XXXX, which exceeds 4 percent of the total loan amount of $XXXX. However, Borrower and Lender agreed within the Note that the terms were to be made under and governed by Subtitle 9, Credit Grantor Revolving Credit Provisions, of Title 12 of the Commercial Law Article of the Annotated Code of XXXX, except as preempted by Federal Law. 10% threshold applies. Informational Only. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039947 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039947 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059482 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059482 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059482 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039948 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039948 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039948 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080822 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Manual edits were made to the borrowers’ name on page 1 of the security instrument without the borrower initialing the changes. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) Docs provided. |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8080822 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8080822 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8080823 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080823 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080823 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039949 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039949 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8039949 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059483 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059483 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059483 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080824 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080824 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080824 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8039950 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039950 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8039950 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080825 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080825 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080825 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059484 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Note - Missing Signature | XXXX | The Note was not fully executed by the borrower. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Docs uploaded |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 2 | |||||||||||||||||||
| XXXX |
8059484 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | Income Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX, which is a XXX% variance. The DTI of XXXX% is within the guidelines. | 2 | 2 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059484 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080826 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080826 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080826 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059485 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059485 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059485 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059486 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059486 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059486 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080827 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080827 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080827 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080828 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080828 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080828 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059487 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059487 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059487 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059488 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059488 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059488 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080829 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080829 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080829 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080830 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080830 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080830 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080831 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080831 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080831 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080832 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080832 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080832 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059489 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059489 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059489 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059490 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059490 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059490 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059491 | 1 of 4 | XXXX | XX/XX/XXXX | Compliance | Note - Missing Signature | XXXX | The Note was not fully executed by the borrower. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Docs uploaded |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8059491 | 2 of 4 | XXXX | XX/XX/XXXX | Compliance | ROR - Not Executed | XXXX | The Right to Cancel Notice was not signed by all required parties. Truth in Lending Act (Regulation Z) 12 CFR 1026.23(b), (a)(1) | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Docs uploaded |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8059491 | 3 of 4 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8059491 | 4 of 4 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8080833 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080833 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080833 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8059492 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059492 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059492 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059493 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059493 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8059493 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080834 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080834 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080834 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8059494 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059494 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059494 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8059495 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059495 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059495 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080835 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080835 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080835 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080836 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080836 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080836 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059496 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | ROR - Not Executed | XXXX | The Right to Cancel Notice was not signed by all required parties. Truth in Lending Act (Regulation Z) 12 CFR 1026.23(b), (a)(1) | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Docs uploaded |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 2 | |||||||||||||||||||
| XXXX |
8059496 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059496 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080837 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080837 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080837 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080838 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080838 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080838 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080839 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower name on the Security Instrument (XXXX) page 1, signature page, notary page and the condo rider, is inconsistent with the loan documents (XXXX) and a name affidavit was not included in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Docs uploaded. |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8080839 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8080839 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8059498 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059498 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8059498 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059499 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059499 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059499 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059500 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059500 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059500 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059501 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059501 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059501 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059502 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059502 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059502 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080840 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080840 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080840 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059503 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059503 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059503 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059504 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059504 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059504 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059505 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059505 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059505 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059506 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059506 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059506 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080842 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080842 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080842 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080843 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080843 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080843 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059507 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059507 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059507 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059508 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8059508 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8059508 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080844 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080844 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080844 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080845 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080845 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080845 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059509 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059509 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059509 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080846 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080846 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080846 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080847 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080847 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080847 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059510 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059510 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059510 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080848 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080848 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080848 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080849 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080849 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080849 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080850 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080850 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080850 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080851 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080851 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080851 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8059511 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059511 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059511 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080852 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080852 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080852 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080853 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080853 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080853 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080854 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080854 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080854 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080855 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080855 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080855 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059512 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059512 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059512 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059513 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument is inconsistent with current Owner on Record. The Vested Interest on the Security Instrument reflects XXXX; however, the current Owner on record reflects XXXX. Evidence of transfer is required to support the change in current Vested Interest. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Docs uploaded. |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8059513 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8059513 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8059514 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate due to evidence of the current Owner of Record missing from the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Docs uploaded |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) Response 2 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8059514 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8059514 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8080856 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080856 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080856 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080857 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080857 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080857 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059516 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059516 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059516 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8059517 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059517 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059517 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080858 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080858 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080858 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059518 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059518 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059518 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059519 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059519 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059519 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080859 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080859 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080859 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059520 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059520 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8059520 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080861 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the Iowa prohibited lender fees test. The loan failed the origination and processing fees test due to one or more of the following findings:The loan is Home Acquisition Loan (XXXX Code §535.8(1)), and charges a loan origination or processing fee, a broker fee, or both, which together exceed two percent (2%) of an amount which is equal to the loan principal; or one percent (1%) of the unpaid balance that is refinanced by the same lender (XXXX Code §535.8(4)(a)). . This test includes the following fees: Origination fee $XXXX. The loan fails the prohibited fees test by $XXXX. However, per 535.8(1)(b) does in not include HELOCs in its definition of a “Loan”. Informational Only.? | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080861 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080861 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059521 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059521 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059521 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080862 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080862 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080862 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059522 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059522 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059522 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080863 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080863 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080863 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080864 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080864 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080864 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8059523 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059523 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059523 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080865 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080865 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080865 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080866 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the points and fees threshold test due to one of the following findings: (XX XX XXX, XXX Code Ann., Com. Law §12-124.1(a)(2)). The loan amount is $XXXX or more, and the transaction’s total points and fees is $XXXX, which exceeds 4 percent of the total loan amount of $XXXX. However, Borrower and Lender agreed within the Note that the terms were to be made under and governed by Subtitle 9, Credit Grantor Revolving Credit Provisions, of Title 12 of the Commercial Law Article of the Annotated Code of Maryland, except as preempted by Federal Law. 10% threshold applies. Informational Only. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080866 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080866 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080867 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080867 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080867 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059524 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059524 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059524 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059525 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059525 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059525 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080868 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080868 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080868 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8059526 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059526 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059526 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059527 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059527 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059527 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059529 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The security instrument was not completed accurately. The name of the Trust listed in the mortgage does not match the name of the Trust listed in the Trust documents. The date of the trust does not match the date on the certification of trust. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Docs uploaded |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8059529 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8059529 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8080869 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080869 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080869 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080870 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080870 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080870 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8059530 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059530 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059530 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080871 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080871 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080871 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059531 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059531 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059531 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059532 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059532 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059532 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080872 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080872 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080872 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059534 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059534 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059534 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080873 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080873 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080873 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059535 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059535 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059535 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059536 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8059536 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) SSI income provided. |
Response 1 (XX/XX/XXXX XX:XXPM) Adding SSI income supports the income at origination. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8059536 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8080874 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080874 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080874 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080875 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080875 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080875 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8059537 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059537 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8059537 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080876 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080876 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080876 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080877 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080877 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080877 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059538 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059538 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059538 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080878 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080878 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080878 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059539 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059539 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059539 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080879 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080879 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080879 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080880 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080880 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080880 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059540 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059540 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059540 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080881 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080881 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080881 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080882 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080882 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080882 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8059541 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059541 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8059541 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080883 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080883 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080883 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080884 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080884 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080884 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080885 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080885 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080885 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080886 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080886 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080886 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080887 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080887 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080887 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080888 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | State Testing | XXXX | This loan failed the required escrow account test. (XX XX XXXX, § 25) This loan does not collect reserves for the payment of hazard insurance and property taxes. (“Property taxes” refers to submitting either the “property taxes” field or both the “city property taxes” and “county property taxes” fields.) Nonprime home loan lenders are required to collect a monthly escrow for the payment of real property taxes and homeowner’s insurance. However, since this is a HELOC and the proceeds are not used to purchase the subject property or refinance the home, per XXXX law the loan is exempt from the escrow requirement. Informational Only. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080888 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080888 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8080889 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080889 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080889 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080890 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080890 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080890 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8080891 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080891 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8080891 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080892 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080892 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8080892 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8080893 | 1 of 3 | XXXX | XX/XX/XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080893 | 2 of 3 | XXXX | XX/XX/XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8080893 | 3 of 3 | XXXX | XX/XX/XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 |