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 |
8297844 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297844 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297844 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330935 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8330935 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8330935 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8330936 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330936 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330936 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297845 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8297845 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8297845 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8297846 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297846 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297846 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330937 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330937 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330937 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
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. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8297847 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297847 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297847 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344252 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344252 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344252 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8297850 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297850 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297850 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The AVM did support the value within a 10% variance. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330938 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330938 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330938 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297852 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8297852 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8297852 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the adjusted value for LTV within 10%. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8330940 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330940 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330940 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330941 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330941 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330941 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330942 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330942 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330942 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297853 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297853 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297853 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297855 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297855 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297855 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The AVM did support the value within a 10% variance. | 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 |
8330943 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330943 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330943 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344253 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344253 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344253 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330944 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330944 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330944 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297864 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297864 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297864 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The AVM did support the value within a 10% variance. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297865 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297865 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297865 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The AVM did support the value within a 10% variance. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330945 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330945 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330945 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297886 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297886 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297886 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The AVM did support the value within a 10% variance. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297891 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297891 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297891 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The AVM did support the value within a 10% variance. | 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 |
8344254 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344254 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344254 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297894 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297894 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297894 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The AVM did support the value within a 10% variance. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344255 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344255 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344255 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297966 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297966 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297966 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The AVM did support the value within a 10% variance. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297982 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297982 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297982 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297991 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297991 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8297991 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The AVM did support the value within a 10% variance. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330946 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8330946 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8330946 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXAM) BPO provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The BPO provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8298010 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8298010 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8298010 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (XXXX) |
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 |
8330947 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330947 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330947 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298063 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298063 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298063 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The AVM did support the value within a 10% variance. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330949 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330949 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330949 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330950 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330950 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330950 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXAM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The BPO provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8344256 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8344256 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8344256 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8330951 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330951 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330951 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344257 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344257 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344257 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298151 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8298151 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8298151 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the adjusted value for LTV within 10%. | 2 | 2 | 2 | 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 |
8344258 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344258 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344258 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330952 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330952 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330952 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330953 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | According to the most recent record (XXXX AVM) from XXXX, XXXX is no longer listed as an owner of record. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded warranty deed showing transfer to our borrower, along with death certificate for XXXX. |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8330953 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8330953 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8298261 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298261 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298261 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The AVM did support the value within a 10% variance. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298279 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298279 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298279 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298281 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8298281 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8298281 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the original value within a 10% variance. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8344259 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344259 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344259 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330954 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330954 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330954 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8330955 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330955 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330955 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344260 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344260 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344260 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344261 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344261 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344261 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298337 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298337 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298337 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The AVM did support the value within a 10% variance. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330956 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330956 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330956 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330957 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330957 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330957 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298364 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8298364 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8298364 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8330958 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330958 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330958 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8330959 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330959 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330959 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330960 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330960 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330960 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330961 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330961 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330961 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330962 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: XXXX-XXXX. Property is a XXXX. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330962 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330962 | 3 of 3 | XXXX | 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 requested
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
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. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO did support the origination value within a 10% variance. (Resolved) |
3 | 2 | 3 | 3 | |||||||||||||||||||
| XXXX |
8330963 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330963 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330963 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330964 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330964 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330964 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330966 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330966 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330966 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330967 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330967 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330967 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8330968 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330968 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330968 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344262 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344262 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344262 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330969 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Non-Borrowing Spouse/Missing | XXXX | According to the new mortgage XXXX is married and according to the prior quitclaim deed dated XXXX/XXXX the property was obtained during the marriage. According to XXXX requirements, the spouse must join in the mortgage. The person joined on the new mortgage (XXXX) is listed as an unmarried person. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330969 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330969 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8330970 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330970 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330970 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330971 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330971 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330971 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330972 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The loan file does not include documentation confirming the vested interest on the security instrument or the borrower’s ownership of the subject property. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded quit claim deed showing transfer to our borrower |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8330972 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8330972 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8344263 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344263 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344263 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330973 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330973 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330973 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXAM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The BPO provided did not support the origination value within 10%. (XXXX) |
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 |
8330974 | 1 of 3 | XXXX | XXXX | Compliance | Rescission Test | XXXX | The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330974 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330974 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 3 | |||||||||||||||||||
| XXXX |
8330975 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8330975 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8330975 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8344264 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344264 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344264 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330976 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330976 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330976 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298455 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298455 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8298455 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The AVM did support the value within a 10% variance. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330977 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330977 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330977 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330978 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330978 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330978 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330979 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330979 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330979 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8330980 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330980 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330980 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330981 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330981 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330981 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330982 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330982 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330982 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330983 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330983 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330983 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330984 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330984 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330984 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330985 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330985 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330985 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330986 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330986 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330986 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330987 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330987 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330987 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8330988 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330988 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330988 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330989 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The Condo Rider is missing the name of the condominium project. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330989 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8330989 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 3 | |||||||||||||||||||
| XXXX |
8344265 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344265 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344265 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330990 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330990 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330990 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330991 | 1 of 3 | XXXX | XXXX | Compliance | HOC - Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. Real Estate Settlement Procedures Act (Regulation X)12 CFR XXXX | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8330991 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8330991 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8330992 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330992 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330992 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330993 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330993 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330993 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330994 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330994 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330994 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8330995 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330995 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330995 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330996 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330996 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330996 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344266 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344266 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344266 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344267 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344267 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344267 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344268 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344268 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344268 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330997 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330997 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330997 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330998 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330998 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330998 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330999 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330999 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8330999 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8344269 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344269 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344269 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344270 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344270 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344270 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331000 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331000 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331000 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331001 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8331001 | 2 of 3 | XXXX | 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) Uploaded monthly pension and SSA letters used in come verification. Was missing the SSA letter in initial upload. |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8331001 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8344271 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344271 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344271 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331002 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331002 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331002 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331003 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331003 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331003 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344272 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344272 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344272 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8331004 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331004 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331004 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344273 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344273 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344273 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331005 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331005 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331005 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331006 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331006 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331006 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331007 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331007 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331007 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344274 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344274 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344274 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344275 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344275 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344275 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331008 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331008 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331008 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8331009 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331009 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331009 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331010 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331010 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331010 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331011 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331011 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331011 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344276 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344276 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344276 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344277 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344277 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344277 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331012 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331012 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331012 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331013 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331013 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331013 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXAM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The BPO provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331014 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331014 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331014 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8331015 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331015 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331015 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXAM) BPO Provided |
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. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The BPO did not support the origination value within a 10% variance.(Upheld) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331016 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331016 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331016 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331018 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331018 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331018 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331019 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331019 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331019 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331020 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331020 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331020 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331021 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331021 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331021 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331022 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331022 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331022 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331023 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331023 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331023 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8331024 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331024 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331024 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331025 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331025 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331025 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331026 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The name of the PUD development is not reflected on the Planned Unit Development Rider. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331026 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331026 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8344278 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344278 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344278 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331027 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331027 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331027 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331028 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331028 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331028 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344279 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344279 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344279 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331030 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331030 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331030 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8331031 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331031 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331031 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331032 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331032 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331032 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331033 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331033 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331033 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331034 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331034 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331034 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331035 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331035 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331035 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344280 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344280 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344280 | 3 of 3 | XXXX | 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%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331036 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331036 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331036 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331037 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331037 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331037 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8331038 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331038 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331038 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331039 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331039 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331039 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344281 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344281 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344281 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331040 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331040 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331040 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344282 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344282 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344282 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331041 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331041 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331041 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331042 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331042 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331042 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331043 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331043 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331043 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8331044 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The vested interest on the Security Instrument could not be verified as accurate. The loan file did not contain documentation to support the accuracy of vested interest and execution of the Security Agreement. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded quit claim deeds showing transfer to our borrower |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8331044 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8331044 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331045 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331045 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331045 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331046 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331046 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331046 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331047 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331047 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331047 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344283 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344283 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344283 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331048 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331048 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331048 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331049 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331049 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331049 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331050 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331050 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331050 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8331051 | 1 of 3 | XXXX | XXXX | Compliance | Note - Address Discrepancy | XXXX | The property address on the Note is missing the name of the city. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331051 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331051 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331052 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331052 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331052 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331053 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331053 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331053 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331054 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Missing Signature | XXXX | The Security Instrument was not fully executed by all required parties. The title vesting/deed indicates the borrower owns the subject property jointly; however, the additional owner did not sign the mortgage. A Transfer Deed was not found in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded grant deed showing transfer to our borrower along with death certificate for XXXX |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved)
Response 2 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8331054 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8331054 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331055 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The Condo Rider is missing the name of the condominium project. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331055 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331055 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331056 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331056 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331056 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344284 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344284 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344284 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331057 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331057 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331057 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8331058 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331058 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331058 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331059 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331059 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331059 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331060 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331060 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331060 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331061 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331061 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331061 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344285 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8344285 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8344285 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8344286 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344286 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344286 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331062 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331062 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331062 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331063 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331063 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331063 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8344287 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344287 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344287 | 3 of 3 | XXXX | 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%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8344288 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344288 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344288 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331064 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331064 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331064 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331065 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331065 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331065 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331066 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331066 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331066 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331067 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331067 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331067 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331068 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331068 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331068 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331069 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331069 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331069 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8344289 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344289 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344289 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331070 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331070 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331070 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331071 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331071 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331071 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331072 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331072 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331072 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344290 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344290 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344290 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331073 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331073 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331073 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331074 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331074 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331074 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331075 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331075 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331075 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8331076 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331076 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331076 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331077 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331077 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331077 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331078 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331078 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331078 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331079 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331079 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331079 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331080 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331080 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331080 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344292 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344292 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344292 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331081 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331081 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331081 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331082 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331082 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331082 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8331084 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331084 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331084 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331085 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331085 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331085 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331086 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331086 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331086 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331087 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331087 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331087 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331088 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331088 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331088 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344293 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344293 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344293 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331089 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331089 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331089 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331090 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331090 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331090 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value 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 |
8331091 | 1 of 4 | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider is missing: XXXX-XXXX Family Rider. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331091 | 2 of 4 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The loan file does not include documentation confirming the vested interest on the XXXX or the Borrower’s ownership of the subject property. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded deed of gift showing transfer to our borrower |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331091 | 3 of 4 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331091 | 4 of 4 | XXXX | XXXX | Valuation | 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 |
8331092 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331092 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331092 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331093 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate. The vesting on the subject mortgage reflects the borrower with sole ownership; however, the Clear Property Report and Title vesting reflects vesting is in the XXXX. A Transfer Deed was not found in the loan file. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331093 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331093 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331094 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331094 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331094 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331095 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331095 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331095 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331096 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331096 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331096 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344294 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344294 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344294 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331097 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331097 | 2 of 3 | XXXX | 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 |
8331097 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344295 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344295 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344295 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331098 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331098 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331098 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331099 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331099 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331099 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331100 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331100 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331100 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331101 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331101 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331101 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344296 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344296 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344296 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331102 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331102 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331102 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331103 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331103 | 2 of 3 | XXXX | 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 |
8331103 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331104 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331104 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331104 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331105 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331105 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331105 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331106 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331106 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331106 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331107 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331107 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331107 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344297 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344297 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344297 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331108 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331108 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331108 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331109 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331109 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331109 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331110 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331110 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 |
30
| 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 |
8331110 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331111 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The PUD Rider is missing the name of the PUD project. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331111 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331111 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331112 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331112 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331112 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331113 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331113 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331113 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331114 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331114 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331114 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331115 | 1 of 3 | XXXX | XXXX | Compliance | State Disclosure - Texas Home Equity Loan Consumer Disclosure (12-Day Letter)/Missing | XXXX | The XXXX Consumer Disclosure (XXXX-Day Letter) is Missing. Required to be provided in connection with a XXXX. XXXX Constitution - Home Equity Loan Provisions XXXX. Const. art. XVI, ‘‘‘50(a)(6)(M)(i), 50(g); XXXX XXXX. Admin. Code ‘‘ XXXX, XXXX | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded signed deed and disclosures that should include all the required disclosures |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8331115 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8331115 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331116 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331116 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331116 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331117 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Non-Borrowing Spouse/Missing | XXXX | The Security Instrument was not executed by the non-borrower. The borrower is married. In XXXX, the spouse is required to sign. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded warranty deed showing transfer to our borrower along with death certificate for spouse XXXX |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8331117 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8331117 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331118 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331118 | 2 of 3 | XXXX | 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 |
8331118 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331119 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331119 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331119 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331120 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331120 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331120 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344298 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344298 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344298 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331121 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331121 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331121 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331122 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331122 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331122 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344299 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8344299 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing Income Documents | XXXX | The income data was delivered as $XXXX. The loan file contains a paystub from XXXX that can not be considered. Please provide current paystubs. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded SSA letter for borrower XXXX. SSA (XXXX) = XXXX * XXXX = XXXX Verified Asset Depletion = XXXX * XXXX = XXXX Total Verified Income = XXXX + XXXX = XXXX |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | |||||||||||||||||||
| XXXX |
8344299 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8344300 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8344300 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8344300 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331123 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331123 | 2 of 3 | XXXX | 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 |
8331123 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331124 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331124 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331124 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331125 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331125 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331125 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331127 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331127 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331127 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331128 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331128 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331128 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
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. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO did not support the origination value within a 10% variance. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8344301 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344301 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344301 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331129 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331129 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331129 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344302 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344302 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344302 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331130 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331130 | 2 of 3 | XXXX | 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 |
8331130 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331131 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331131 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331131 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344303 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344303 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344303 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344304 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344304 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344304 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331132 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331132 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331132 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331133 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331133 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331133 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344305 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344305 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344305 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331134 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331134 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331134 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331135 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331135 | 2 of 3 | XXXX | 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 |
8331135 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331136 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331136 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331136 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331137 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331137 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331137 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331138 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331138 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331138 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344306 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344306 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344306 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331139 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331139 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331139 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344307 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344307 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344307 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331140 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331140 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331140 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331141 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331141 | 2 of 3 | XXXX | 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 |
8331141 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331142 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331142 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331142 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344308 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344308 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344308 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331143 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331143 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331143 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331144 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331144 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331144 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331145 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331145 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331145 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331146 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331146 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331146 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331147 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331147 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331147 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344310 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344310 | 2 of 3 | XXXX | 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 |
8344310 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344311 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344311 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344311 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331148 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331148 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331148 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331149 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331149 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331149 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331150 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331150 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331150 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344312 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8344312 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8344312 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331151 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331151 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331151 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331152 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331152 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331152 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331153 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331153 | 2 of 3 | XXXX | 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 |
8331153 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331154 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331154 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331154 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344313 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344313 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344313 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331155 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331155 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331155 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331156 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331156 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331156 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331157 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331157 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331157 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331158 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331158 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331158 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344314 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344314 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344314 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331159 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331159 | 2 of 3 | XXXX | 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 |
8331159 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344315 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344315 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344315 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344316 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344316 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344316 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331160 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331160 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331160 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331161 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331161 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331161 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344317 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344317 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344317 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331162 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331162 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331162 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344318 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344318 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344318 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344319 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8344319 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 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 |
8344319 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
XXXX (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
3 | 2 | 3 | 2 | ||||||||||||||||||
| XXXX |
8331164 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331164 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331164 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331165 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331165 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331165 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331166 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331166 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331166 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331167 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331167 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331167 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331168 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331168 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331168 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331169 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331169 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331169 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331170 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331170 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331170 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331172 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331172 | 2 of 3 | XXXX | 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 |
8331172 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331173 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331173 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331173 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344320 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344320 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344320 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344321 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344321 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344321 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331174 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331174 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331174 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331175 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331175 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331175 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331176 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331176 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331176 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331177 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331177 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331177 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344322 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344322 | 2 of 3 | XXXX | 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 |
8344322 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344323 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344323 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344323 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331178 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331178 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331178 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331179 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331179 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331179 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331180 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331180 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331180 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8344324 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344324 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344324 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331181 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331181 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331181 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331182 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331182 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331182 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344325 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344325 | 2 of 3 | XXXX | 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 |
8344325 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331183 | 1 of 4 | XXXX | XXXX | Compliance | Note - Incomplete / Inaccurate | XXXX | Additional Finding: XX/XX/XXXX. The following section(s) of the Note is incomplete/inaccurate : The name of the borrower is disclosed as XXXX and should be XXXX. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331183 | 2 of 4 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | According to the most recent record (XXXX AVM) from XXXX, XXXX is no longer listed as an owner of record. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded warranty deed showing transfer to our borrower, along with death certificate for XXXX |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is not sufficient to clear the finding. The Warranty Deed and Certificate of Death have been provided and acceptable; however, the borrowers name on the Mortgage is not spelled correctly, it discloses XXXX instead of XXXX. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331183 | 3 of 4 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331183 | 4 of 4 | XXXX | XXXX | Valuation | 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 |
8331184 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331184 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331184 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344326 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The loan file does not include documentation confirming the vested interest on the XXXX or the Borrower’s ownership of the subject property. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded survivorship deed showing transfer to our borrowers |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8344326 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8344326 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331185 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331185 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331185 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344327 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344327 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344327 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331186 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331186 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331186 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344328 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344328 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344328 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331187 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331187 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331187 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344329 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344329 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344329 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344330 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344330 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344330 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331188 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331188 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331188 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331189 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331189 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331189 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331191 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331191 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331191 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8344331 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344331 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344331 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331192 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331192 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331192 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331193 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331193 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331193 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344332 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344332 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344332 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331194 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331194 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331194 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8344333 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344333 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344333 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344334 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344334 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344334 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344335 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344335 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344335 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331195 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331195 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331195 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344336 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344336 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344336 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331196 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331196 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331196 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331197 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331197 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331197 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXAM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The BPO provided did not support the origination value within 10%. (Upheld |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331198 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331198 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331198 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331199 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331199 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331199 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331200 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331200 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331200 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344337 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344337 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344337 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331201 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331201 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331201 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331202 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331202 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331202 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344338 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344338 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344338 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331203 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331203 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331203 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331204 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331204 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331204 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331205 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331205 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331205 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXAM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The BPO provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331206 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331206 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331206 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331207 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331207 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331207 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344339 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344339 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344339 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331208 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331208 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331208 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344340 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344340 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344340 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344341 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344341 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344341 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331209 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331209 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331209 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331210 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331210 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331210 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331212 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331212 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331212 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331213 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331213 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331213 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331214 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331214 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331214 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344342 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Texas High Cost & Antipredatory Lending/Points and Fees | XXXX | The loan failed the XXXX Home Equity Loan points and fees test. The loan requires the borrower(s) to pay, in addition to interest and any bona fide discount points used to buy down the interest rate, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed XXXX% of the original principal amount [excluding fees for (i) an appraisal performed by third party appraiser; (ii) property survey performed by state registered/licensed surveyor; (iii) a state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law; and (iv) a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law. The loan fees were $XXXX of the $XXXX loan amount, which exceeded XXXX% of the original principle balance. The following fees were included in the points and fees calculation: Loan Origination Fee $XXXX and Recording Fee $XXXX. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344342 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344342 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331215 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331215 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331215 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331216 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The loan file provides documentation stating XXXX is current vested owner of subject property. XXXX is not listed on XXXX. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded warranty deed showing transfer to our borrower, along with signed name affidavit and copies of marriage certificate and death certificate for XXXX |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8331216 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8331216 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331217 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331217 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331217 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331218 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331218 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331218 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331219 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331219 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331219 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331220 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331220 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331220 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331221 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331221 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331221 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331222 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331222 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331222 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344343 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument cannot be verified as accurate. The clear property report does not reflect the borrower as owner and a transfer deed was not found in the loan file. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded quit claim deed showing transfer to our borrowers, along with copy of death certificate for XXXX. |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 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 |
8344343 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8344343 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331223 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331223 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331223 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331224 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331224 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331224 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331225 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331225 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331225 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344344 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344344 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344344 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331226 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331226 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331226 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331227 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331227 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331227 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331228 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331228 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331228 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331229 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331229 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331229 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344345 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344345 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344345 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344346 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344346 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344346 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344347 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344347 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344347 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331230 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331230 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331230 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331231 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331231 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331231 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344348 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344348 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344348 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331232 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331232 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331232 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331233 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331233 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331233 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331234 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331234 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331234 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331235 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331235 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331235 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331236 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331236 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331236 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344349 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344349 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344349 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331237 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331237 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331237 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331238 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331238 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331238 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331239 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331239 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331239 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXAM) BPO Provided |
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. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The BPO did not support the origination value within a 10% variance. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331240 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331240 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331240 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331241 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | Vested owner is not listed on XXXX. The vested owner, XXXX, is reported to be deceased; however, no documentation or supporting information was provided in the loan file to verify or confirm the deceased status. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded warranty deed showing transfer to our borrower, along with signed name affidavit and copy of death certificate for XXXX |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8331241 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8331241 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8344350 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344350 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344350 | 3 of 3 | XXXX | 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%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331242 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331242 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331242 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331243 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331243 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331243 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331244 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331244 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331244 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331245 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331245 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331245 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344351 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344351 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344351 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331246 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 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 |
8331246 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331246 | 3 of 3 | XXXX | 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 requested
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
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. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO did support the origination value within a 10% variance (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8344352 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344352 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344352 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331247 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331247 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331247 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344353 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344353 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344353 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344354 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344354 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344354 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344355 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344355 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344355 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331248 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331248 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331248 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344356 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344356 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344356 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331250 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331250 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331250 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331251 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331251 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331251 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331252 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331252 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331252 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344357 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344357 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344357 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331253 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331253 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331253 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331254 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331254 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331254 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331255 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331255 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331255 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344358 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344358 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344358 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344359 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344359 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344359 | 3 of 3 | XXXX | 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%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331256 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331256 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331256 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331257 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331257 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331257 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331258 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331258 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331258 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344360 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344360 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344360 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331259 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331259 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331259 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331260 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331260 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331260 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331261 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331261 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331261 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331262 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 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 |
8331262 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331262 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8344361 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344361 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344361 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331263 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331263 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331263 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331264 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331264 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331264 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344362 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344362 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344362 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331265 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331265 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331265 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331267 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331267 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331267 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344363 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344363 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344363 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331268 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331268 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331268 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331269 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331269 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331269 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331270 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331270 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331270 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331271 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331271 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331271 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331272 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331272 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331272 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331273 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331273 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331273 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344364 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344364 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344364 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331274 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331274 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331274 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331275 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331275 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331275 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331276 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331276 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331276 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344365 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344365 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344365 | 3 of 3 | XXXX | 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%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331277 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331277 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331277 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331278 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331278 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331278 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331279 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331279 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331279 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331280 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331280 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331280 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331281 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331281 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331281 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331282 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331282 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331282 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXAM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The BPO provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331283 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331283 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331283 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331284 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331284 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331284 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331285 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331285 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331285 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331286 | 1 of 3 | XXXX | XXXX | Compliance | HOC - Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8331286 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8331286 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8344366 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344366 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344366 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331287 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331287 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331287 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8344367 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344367 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344367 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331288 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331288 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331288 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8344369 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344369 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344369 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344370 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344370 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344370 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331289 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331289 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331289 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331290 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331290 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331290 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344371 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344371 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344371 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344372 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344372 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344372 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344373 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344373 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344373 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344374 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344374 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344374 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331291 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331291 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331291 | 3 of 3 | XXXX | 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 requested
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
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. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO did support the origination value within a 10% variance (Resolved). |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331292 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The loan file does not include documentation confirming the vested interest on the XXXX or the Borrower’s ownership of the subject property. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded warranty deed and declaration of domecile showing transfer to our borrower |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331292 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331292 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331293 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331293 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331293 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331294 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331294 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331294 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331295 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331295 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331295 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344375 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344375 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344375 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331296 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331296 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331296 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344376 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344376 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344376 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331297 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331297 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331297 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331298 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331298 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331298 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331299 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331299 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331299 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331300 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331300 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331300 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331301 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331301 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331301 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331302 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331302 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331302 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344377 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344377 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344377 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344378 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344378 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344378 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344379 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344379 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344379 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344380 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344380 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344380 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331304 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331304 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331304 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344381 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344381 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344381 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331305 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331305 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331305 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331306 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331306 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331306 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331307 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331307 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331307 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331308 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331308 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331308 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331309 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331309 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331309 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331310 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331310 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331310 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331311 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331311 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331311 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344382 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344382 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344382 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331312 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331312 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331312 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331313 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331313 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331313 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331314 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331314 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331314 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331315 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331315 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331315 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344383 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344383 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344383 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331316 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331316 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331316 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344384 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344384 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344384 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331317 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331317 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331317 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331318 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331318 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331318 | 3 of 3 | XXXX | 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%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8344385 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344385 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344385 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331319 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331319 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331319 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331320 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331320 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331320 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331321 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331321 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331321 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331322 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331322 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331322 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331323 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331323 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331323 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331324 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331324 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331324 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344386 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344386 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344386 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331325 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331325 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331325 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344387 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344387 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344387 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331326 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331326 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331326 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344388 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344388 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344388 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344389 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344389 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344389 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344390 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344390 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344390 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331327 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331327 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331327 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331328 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331328 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331328 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344391 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344391 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344391 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331329 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331329 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331329 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331330 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331330 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331330 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331331 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331331 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331331 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344392 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344392 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344392 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331332 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331332 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331332 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331333 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331333 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331333 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344393 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344393 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344393 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344394 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344394 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344394 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331334 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331334 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331334 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344395 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344395 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344395 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331335 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331335 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331335 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331336 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331336 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331336 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331337 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331337 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331337 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331339 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331339 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331339 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331340 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331340 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331340 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331341 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331341 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331341 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344396 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344396 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344396 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331342 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331342 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331342 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331343 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331343 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331343 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331344 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331344 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331344 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331345 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331345 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331345 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331346 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331346 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331346 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344397 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344397 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344397 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344398 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344398 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344398 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344399 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344399 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344399 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331347 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331347 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331347 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331348 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The XXXX-XXXX Rider is missing. Please provide the executed rider and a revised mortgage document, which includes the necessary corrections on page XXXX. The borrower is required to initial the changes made. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331348 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331348 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331349 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331349 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331349 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331350 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331350 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331350 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331351 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331351 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331351 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331352 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331352 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331352 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331353 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331353 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331353 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331354 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331354 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331354 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331355 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331355 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331355 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331356 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower name listed on the Security Instrument does not match the name shown on the Trust Certificate. Specifically, the Mortgage identifies the borrower as “ XXXX,” while the Trust Certificate reflects the trust name as “The XXXX Trust.” | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331356 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331356 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331357 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331357 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331357 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331358 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331358 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331358 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331359 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331359 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331359 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344401 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344401 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344401 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331360 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331360 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331360 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331361 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331361 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331361 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331362 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331362 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331362 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344402 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344402 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344402 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331363 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331363 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331363 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344403 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on the Security Instrument could not be verified as accurate due to missing documentation showing prior Vested Interest. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded warranty deed showing transfer to our borrowers |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8344403 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8344403 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331364 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The Vested Interest on page XXXX and the Entity Name on page XXXX of the Security Instrument is not accurate. The Vested Interest/Entity on the current Deed of Trust reflects XXXX ; however, the correct Vested Interest/Entity Name is XXXX XXXX. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331364 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331364 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331365 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331365 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331365 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331366 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331366 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331366 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344404 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344404 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344404 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331367 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8331367 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331367 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344405 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344405 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344405 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331368 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331368 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331368 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331369 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331369 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331369 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8344406 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344406 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344406 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331370 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331370 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331370 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344407 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344407 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344407 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344408 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344408 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344408 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344409 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344409 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344409 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331371 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331371 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331371 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344410 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344410 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344410 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344411 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344411 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344411 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331372 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331372 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331372 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344412 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344412 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344412 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331373 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331373 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331373 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344413 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344413 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344413 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344414 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344414 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344414 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344415 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344415 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344415 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331374 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331374 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331374 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344416 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344416 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344416 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331375 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331375 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331375 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331376 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331376 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331376 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344417 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344417 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344417 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331377 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331377 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331377 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344418 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 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 |
8344418 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8344418 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331378 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331378 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331378 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344419 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344419 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344419 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344420 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344420 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344420 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331379 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331379 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331379 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331380 | 1 of 3 | XXXX | XXXX | Compliance | HOC - Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8331380 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8331380 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331381 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331381 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331381 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344421 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344421 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344421 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344422 | 1 of 3 | XXXX | XXXX | Compliance | HOC - Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. | 2 | 2 | 2 | 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 |
8344422 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8344422 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331382 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331382 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331382 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331384 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331384 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331384 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344423 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344423 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344423 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331385 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331385 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331385 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344424 | 1 of 3 | XXXX | XXXX | Compliance | HOC - Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8344424 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8344424 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8344425 | 1 of 3 | XXXX | XXXX | Compliance | HOC - Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8344425 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8344425 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331386 | 1 of 3 | XXXX | XXXX | Compliance | HOC - Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8331386 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8331386 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331387 | 1 of 3 | XXXX | XXXX | Compliance | HOC - Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. | 2 | 2 | 2 | 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 |
8331387 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8331387 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8331388 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331388 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331388 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8344426 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344426 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344426 | 3 of 3 | XXXX | 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. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331389 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331389 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331389 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331390 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331390 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331390 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331391 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331391 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331391 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331392 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331392 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331392 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331393 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331393 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331393 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344428 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 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 |
8344428 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8344428 | 3 of 3 | XXXX | 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:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8331394 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331394 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331394 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331395 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331395 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8331395 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXAM) BPO Provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX)
Response 2 (XX/XX/XXXX XX:XXAM) The BPO provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8331396 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331396 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8331396 | 3 of 3 | XXXX | 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 requested
Rebuttal 2 (XX/XX/XXXX XX:XXPM) BPO Provided |
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. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The BPO did support the origination value within a 10% variance (Resolved). |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8344429 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344429 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344429 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331397 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331397 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331397 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331398 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331398 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331398 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344430 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344430 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344430 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344431 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344431 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344431 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344432 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344432 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344432 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344433 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344433 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344433 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344434 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344434 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344434 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344435 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344435 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344435 | 3 of 3 | XXXX | 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%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8344436 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344436 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344436 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344438 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344438 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344438 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331399 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331399 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8331399 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344439 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344439 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344439 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344442 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344442 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344442 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344443 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344443 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344443 | 3 of 3 | XXXX | 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
Rebuttal 2 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
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. (XXXX)
Response 2 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8344444 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344444 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344444 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344445 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344445 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344445 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344446 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344446 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344446 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344447 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344447 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344447 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344448 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344448 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344448 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344449 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344449 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344449 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344450 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344450 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344450 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344451 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344451 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344451 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344452 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344452 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344452 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344453 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344453 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344453 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344454 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344454 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344454 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344455 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344455 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344455 | 3 of 3 | XXXX | 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%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8344456 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344456 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344456 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344457 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344457 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344457 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344458 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344458 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344458 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344459 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344459 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344459 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344461 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344461 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344461 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344462 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344462 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344462 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344463 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344463 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344463 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344464 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344464 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344464 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344465 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344465 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344465 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344466 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 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 |
8344466 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344466 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344467 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344467 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344467 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344468 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344468 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344468 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344469 | 1 of 3 | XXXX | XXXX | Compliance | Rescission Test | XXXX | The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344469 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8344469 | 3 of 3 | XXXX | XXXX | Valuation | 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 |
8344470 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344470 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344470 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344471 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344471 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344471 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344472 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344472 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344472 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344474 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344474 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344474 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344475 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344475 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344475 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344476 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344476 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8344476 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |