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

   9000001   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000001   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000001   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000005   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000005   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000005   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000011   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000011   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000011   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000047   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000047   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000047   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000052   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000052   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000052   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000069   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000069   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000069   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000071   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000071   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000071   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000073   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000073   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000073   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000076   1 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

   9000076   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000076   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000093   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

   9000093   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   3   3

XXXX

   9000093   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:XXPM)

Second AVM provided

  

Response 1 (XX/XX/XXXX XX:XXPM)

The second AVM provided did not support the origination value within 10%. (XXXX)

       3   3   3   3

XXXX

   9000101   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000101   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000101   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000102   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000102   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000102   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000106   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000106   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000106   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000112   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000112   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000112   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000114   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000114   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000114   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000117   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000117   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000117   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000118   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000118   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

   9000118   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000130   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000130   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000130   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000134   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

   9000134   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   3   2

XXXX

   9000134   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:XXPM)

2nd AVM provided

  

Response 1 (XX/XX/XXXX XX:XXPM)

The second AVM provided did support the origination value within 10%. (Resolved)

       3   2   3   2

XXXX

   9000136   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000136   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000136   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000149   1 of 3   XXXX   XXXX   Compliance   Security Instrument — Incomplete   XXXX   The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete: The Maturity Date is missing.             2   2   2   2

XXXX

   9000149   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   2   2

XXXX

   9000149   3 of 3   XXXX   XXXX   Valuation   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

   9000150   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

   9000150   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   3   3

XXXX

   9000150   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:XXPM)

2nd AVM provided

  

Response 1 (XX/XX/XXXX XX:XXPM)

The second AVM provided did not support the origination value within 10%. (XXXX)

       3   3   3   3

XXXX

   9000152   1 of 3   XXXX   XXXX   Compliance   Security Instrument — Incomplete   XXXX   The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete: The Maturity Date is missing.             2   2   3   2

XXXX

   9000152   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   3   2

XXXX

   9000152   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

   9000153   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000153   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000153   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000154   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000154   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000154   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value 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

   9000156   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000156   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000156   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000157   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000157   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000157   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000162   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000162   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000162   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000166   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000166   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000166   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000167   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000167   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000167   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000168   1 of 3   XXXX   XXXX   Compliance   Security Instrument — Incomplete   XXXX   The following section(s) of the Security Instrument (Mortgage/Deed of Trust) incomplete: The Maturity Date is missing.             2   2   3   2

XXXX

   9000168   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   3   2

XXXX

   9000168   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

   9000169   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

   9000169   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   3   3

XXXX

   9000169   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:XXPM)

2nd AVM provided

  

Response 1 (XX/XX/XXXX XX:XXPM)

The second AVM provided did not support the origination value within 10%. (XXXX)

       3   3   3   3

XXXX

   9000172   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

   9000172   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   3   2

XXXX

   9000172   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:XXPM)

2nd AVM provided

  

Response 1 (XX/XX/XXXX XX:XXPM)

The second AVM provided did support the origination value within 10%. (Resolved)

       3   2   3   2

XXXX

   9000180   1 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

   9000180   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000180   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000181   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000181   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000181   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000187   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000187   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000187   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000188   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000188   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000188   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000191   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

   9000191   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   3   2

XXXX

   9000191   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:XXPM)

2nd AVM provided

  

Response 1 (XX/XX/XXXX XX:XXPM)

The second AVM provided did support the origination value within 10%. (Resolved)

       3   2   3   2

XXXX

   9000192   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000192   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000192   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000197   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000197   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000197   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000199   1 of 3   XXXX   XXXX   Compliance   No Compliance Findings   XXXX   The loan is in compliance with all applicable laws and regulations.             1   1   1   1

XXXX

   9000199   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   1   1

XXXX

   9000199   3 of 3   XXXX   XXXX   Valuation   Appraisal — Value is supported within 10% of original appraisal amount   XXXX   The secondary valuation product supported the original appraised value within 10%.             1   1   1   1

XXXX

   9000204   1 of 3   XXXX   XXXX   Compliance   Security Instrument — Inaccurate   XXXX   The security instrument was not completed accurately. The community name on the PUD Rider does not match the development name on the legal description.   Resolved  

Rebuttal 1 (XX/XX/XXXX XX:XXAM)

Uploaded recorded deed.

  

Response 1 (XX/XX/XXXX XX:XXAM)

The documentation provided is sufficient to clear the finding. (Resolved)

       3   1   3   1

XXXX

   9000204   2 of 3   XXXX   XXXX   Credit   No Credit Finding   XXXX   The loan meets all applicable credit guidelines.             1   1   3   1

 

Loan Number

    Loan ID      Finding #    Last Name      Note Date      Audit Category      Audit Issue     Finding ID       Exception Finding      Remediation Status     Exception Rebuttal     Exception Response    Status Comment      Compensating Factors      Initial Findings Grade      Final Findings Grade      Initial Loan Grade      Final Loan Grade  

XXXX

      9000204      3 of 3      XXXX        XXXX      Valuation    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

      9000208      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in compliance with all
applicable laws and regulations.		                    1        1        1        1  

XXXX

      9000208      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all applicable credit
guidelines.		                    1        1        1        1  

XXXX

      9000208      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation product
supported the original appraised value
within 10%.		                    1        1        1        1  

XXXX

      9000211      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in compliance with all
applicable laws and regulations.		                    1        1        1        1  

XXXX

      9000211      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all applicable credit
guidelines.		                    1        1        1        1  

XXXX

      9000211      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation product
supported the original appraised value
within 10%.		                    1        1        1        1  

XXXX

      9000215      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

      9000215      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all applicable credit
guidelines.		                    1        1        2        2  

XXXX

      9000215      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 used at
origination within 10%.		                    2        2        2        2  

XXXX

      9000216      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

      9000216      2 of 3      XXXX        XXXX      Credit    Income
Variance		   XXXX    The income data was delivered as
$XXXX. The loan file reflects income
of $XXXX which is a -XXXX%
variance. The DTI of XXXX% is
within the guidelines.		                    2        2        2        2  

XXXX

      9000216      3 of 3      XXXX        XXXX      Valuation    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

      9000218      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in compliance with all
applicable laws and regulations.		                    1        1        1        1  

XXXX

      9000218      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all applicable credit
guidelines.		                    1        1        1        1  

XXXX

      9000218      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation product
supported the original appraised value
within 10%.		                    1        1        1        1  

XXXX

      9000224      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in compliance with all
applicable laws and regulations.		                    1        1        1        1  

XXXX

      9000224      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all applicable credit
guidelines.		                    1        1        1        1  

XXXX

      9000224      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation product
supported the original appraised value
within 10%.		                    1        1        1        1  

XXXX

      9000225      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in compliance with all
applicable laws and regulations.		                    1        1        1        1  

XXXX

      9000225      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all applicable credit
guidelines.		                    1        1        1        1  

XXXX

      9000225      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation product
supported the original appraised value
within 10%.		                    1        1        1        1  

XXXX

      9000228      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in compliance with all
applicable laws and regulations.		                    1        1        1        1  

XXXX

      9000228      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all applicable credit
guidelines.		                    1        1        1        1  

XXXX

      9000228      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9000230      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000230      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000230      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000231      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000231      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000231      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000232      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000232      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000232      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000233      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000233      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000233      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000237      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000237      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000237      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000240      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000240      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000240      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000241      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000241      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000241      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000242      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000242      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000242      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000246      1 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

      9000246      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000246      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000247      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000247      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000247      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000252      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

      9000252      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        2        2  

XXXX

      9000252      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 used
at
origination
within
10%.		                  2        2        2        2  

XXXX

      9000253      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000253      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000253      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000256      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
— Trust
Missing		   XXXX    Title to the
Property is
held in a
Trust, but
the Trust
Document
is missing.
Unable to
determine
if
signatures
on the
Security
Instrument
are
accurate.		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXAM)

Docs
uploaded.

   Response 1
(XX/XX/
XXXX
XX:XXAM)

The
documentation
provided is
sufficient to
clear the
finding.
(Resolved)

           3        1        3        1  

XXXX

      9000256      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        1  

XXXX

      9000256      3 of 3      XXXX        XXXX      Valuation    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

      9000260      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section(s)
of the
Security
Instrument
(Mortgage/
Deed of
Trust)
incomplete:The
Maturity
Date is
missing.		                  2        2        2        2  

XXXX

      9000260      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        2        2  

XXXX

      9000260      3 of 3      XXXX        XXXX      Valuation    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

      9000263      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000263      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000263      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000275      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000275      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000275      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000276      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section(s)
of the
Security
Instrument
(Mortgage/
Deed of
Trust)
incomplete:The
Maturity
Date is
missing.		                  2        2        2        2  

XXXX

      9000276      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        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

      9000276      3 of 3      XXXX        XXXX      Valuation    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

      9000286      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000286      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000286      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000291      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000291      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000291      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000294      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000294      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000294      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000298      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000298      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000298      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000300      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000300      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000300      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000307      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

      9000307      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000307      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:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9000310      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000310      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000310      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003910      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003910      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003910      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9000324      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000324      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000324      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000325      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000325      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000325      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000326      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

      9000326      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000326      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:XXPM)

2nd
AVM
requested

Rebuttal
2 (XX/
XX/
XXXX
XX:XXAM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The AVM
did not
support
the
origination
value
within a
10%
variance,
the AVM
resulted in
a no hit.
(XXXX)

Response
2 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9000327      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000327      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000327      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000330      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000330      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000330      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000333      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000333      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000333      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000334      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000334      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000334      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000336      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000336      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000336      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000337      1 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

      9000337      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000337      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000339      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

      9000339      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000339      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:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9000340      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

      9000340      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000340      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:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9000345      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000345      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000345      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000346      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000346      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000346      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000348      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000348      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000348      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000351      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000351      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000351      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000360      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000360      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000360      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000363      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000363      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

      9000363      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000365      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000365      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000365      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000377      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000377      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000377      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000387      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

      9000387      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000387      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:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9000398      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000398      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000398      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000400      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000400      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000400      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000401      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000401      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000401      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000402      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000402      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000402      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000420      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000420      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000420      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9000426      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000426      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000426      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000429      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

      9000429      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000429      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:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9000435      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000435      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000435      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000438      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section(s)
of the
Security
Instrument
(Mortgage/
Deed of
Trust)
incomplete:The
Maturity
Date is
missing.		                  2        2        2        2  

XXXX

      9000438      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        2        2  

XXXX

      9000438      3 of 3      XXXX        XXXX      Valuation    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

      9000439      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

      9000439      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000439      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:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9000451      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000451      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000451      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000452      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000452      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000452      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000454      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000454      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000454      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000460      1 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

      9000460      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000460      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000461      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000461      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000461      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000462      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

      9000462      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000462      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

      9000464      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000464      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000464      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000469      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000469      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000469      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000475      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000475      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000475      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000481      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000481      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000481      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000486      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000486      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000486      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000487      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000487      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

      9000487      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000489      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000489      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000489      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000490      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section(s)
of the
Security
Instrument
(Mortgage/
Deed of
Trust)
incomplete:The
Maturity
Date is
missing.		                  2        2        2        2  

XXXX

      9000490      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        2        2  

XXXX

      9000490      3 of 3      XXXX        XXXX      Valuation    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

      9000498      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000498      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000498      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000499      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000499      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000499      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000504      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000504      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000504      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000508      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section(s)
of the
Security
Instrument
(Mortgage/
Deed of
Trust)
incomplete:The
Maturity
Date is
missing.		                  2        2        2        2  

XXXX

      9000508      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        2        2  

XXXX

      9000508      3 of 3      XXXX        XXXX      Valuation    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

      9000530      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

      9000530      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000530      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:XXPM)

2nd
AVM
requested

Rebuttal
2 (XX/
XX/
XXXX
XX:XXAM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The AVM
did not
support
the
origination
value
within a
10%
variance,
the AVM
resulted in
a no hit.
(XXXX)

Response
2 (XX/XX/
XXXX
XX:XXAM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9000532      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000532      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000532      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9000533      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000533      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000533      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000537      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section(s)
of the
Security
Instrument
(Mortgage/
Deed of
Trust) is
incomplete:
The condo
rider does
not state
what the
name of
the project
is known
as.		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXAM)

Docs
uploaded.

   Response 1
(XX/XX/
XXXX
XX:XXAM)

The
documentation
provided is
sufficient to
clear the
finding.
(Resolved)

           3        1        3        1  

XXXX

      9000537      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        1  

XXXX

      9000537      3 of 3      XXXX        XXXX      Valuation    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

      9000548      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000548      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000548      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000551      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000551      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000551      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000552      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000552      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000552      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000554      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000554      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000554      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000561      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section(s)
of the
Security
Instrument
(Mortgage/
Deed of
Trust)
incomplete:The
Maturity
Date is
missing.		                  2        2        2        2  

XXXX

      9000561      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        2        2  

XXXX

      9000561      3 of 3      XXXX        XXXX      Valuation    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

      9000565      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000565      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000565      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000566      1 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

      9000566      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000566      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000569      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000569      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000569      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000574      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000574      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000574      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000575      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000575      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000575      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000579      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000579      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000579      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000582      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000582      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000582      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000583      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section(s)
of the
Security
Instrument
(Mortgage/
Deed of
Trust)
incomplete:The
Maturity
Date is
missing.		                  2        2        3        2  

XXXX

      9000583      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000583      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)

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:XXAM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9000586      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000586      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000586      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000599      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000599      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

      9000599      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000603      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000603      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000603      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000605      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000605      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000605      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000609      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

      9000609      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000609      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

      9000611      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000611      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000611      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000617      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000617      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000617      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000624      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000624      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000624      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000625      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000625      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000625      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000626      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000626      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000626      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9000640      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000640      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000640      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000641      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000641      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000641      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000646      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000646      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000646      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000647      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000647      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000647      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000648      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

      9000648      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000648      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

      9000653      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000653      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000653      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000654      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000654      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000654      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000659      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000659      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000659      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000665      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

      9000665      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000665      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:XXPM)

2nd
AVM
provided

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The second
AVM
provided did
not support
the origination
value within
10%. (XXXX)

           3        3        3        3  

XXXX

      9000666      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

      9000666      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000666      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:XXPM)

2nd
AVM
provided

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The second
AVM
provided did
support the
origination
value within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9000667      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

      9000667      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000667      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:XXPM)

2nd
AVM
provided

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The second
AVM
provided did
not support
the origination
value within
10%. (XXXX)

           3        3        3        3  

XXXX

      9000671      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

      9000671      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000671      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

      9000672      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000672      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000672      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000673      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

      9000673      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000673      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

      9000677      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000677      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000677      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000678      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

      9000678      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000678      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:XXAM)

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:XXAM)

The second
AVM
provided did
support the
origination
value within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9000683      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section(s)
of the
Security
Instrument
(Mortgage/
Deed of
Trust) is
incomplete:
The condo
rider does
not state
what the
name of
the project
is known
as.		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

Recorded
Deed.

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The
documentation
provided is
sufficient to
clear the
finding.
(Resolved)

           3        1        3        1  

XXXX

      9000683      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        1  

Loan Number

    Loan ID      Finding #    Last Name      Note Date      Audit Category      Audit Issue     Finding ID       Exception Finding      Remediation Status     Exception Rebuttal    Exception Response   Status Comment      Compensating Factors      Initial Findings Grade      Final Findings Grade      Initial Loan Grade      Final Loan Grade  

XXXX

      9000683      3 of 3      XXXX        XXXX      Valuation    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

      9000686      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000686      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000686      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003911      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003911      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003911      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000691      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000691      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000691      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000695      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

      9000695      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000695      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

      9000696      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

      9000696      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000696      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

      9000707      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000707      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000707      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000714      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

      9000714      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000714      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

      9000717      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000717      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000717      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9000727      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000727      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000727      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000730      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000730      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000730      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000737      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000737      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000737      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000739      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000739      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000739      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000742      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000742      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000742      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000743      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000743      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000743      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000746      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000746      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000746      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000753      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9000753      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9000753      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9000754      1 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

      9000754      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000754      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000756      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

      9000756      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000756      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)

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:XXAM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9000758      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

      9000758      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000758      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:XXAM)

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:XXAM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9000759      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000759      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000759      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000763      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000763      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000763      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000764      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000764      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000764      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000771      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000771      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000771      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000772      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000772      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000772      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000783      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

      9000783      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

      9000783      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

      9000793      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000793      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000793      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000798      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section(s)
of the
Security
Instrument
(Mortgage/
Deed of
Trust) is
incomplete:
The condo
rider does
not state
what the
name of
the project
is known
as.		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

Docs
uploaded.

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The
documentation
provided is
sufficient to
clear the
finding.
(Resolved)

           3        1        3        1  

XXXX

      9000798      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        1  

XXXX

      9000798      3 of 3      XXXX        XXXX      Valuation    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

      9000800      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000800      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000800      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000802      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section(s)
of the
Security
Instrument
(Mortgage/
Deed of
Trust) is
incomplete:
The condo
rider does
not state
what the
name of
the project
is known
as.		                  3        3        3        3  

XXXX

      9000802      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000802      3 of 3      XXXX        XXXX      Valuation    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

      9000804      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000804      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000804      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000818      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000818      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000818      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000824      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000824      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000824      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000827      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

      9000827      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000827      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  

 

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

      9000830      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000830      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000830      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000834      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000834      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000834      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000840      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

      9000840      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000840      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

      9000844      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

      9000844      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000844      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

   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

      9000845      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000845      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000845      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000851      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000851      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000851      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000852      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

      9000852      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000852      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

      9000853      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

      9000853      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000853      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

      9000856      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

      9000856      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000856      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

      9000857      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000857      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000857      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000863      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000863      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000863      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000867      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000867      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000867      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000869      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

      9000869      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000869      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

      9003912      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

      9003912      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003912      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

      9000873      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

      9000873      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000873      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

      9000877      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

      9000877      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000877      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

      9000881      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000881      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

      9000881      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000890      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000890      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000890      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000892      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000892      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000892      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000893      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000893      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000893      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000917      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

      9000917      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000917      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

      9000920      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000920      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000920      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000921      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000921      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000921      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000925      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000925      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000925      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000927      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000927      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000927      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9000929      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section of
the
Security
Instrument
(Mortgage/
Deed of
Trust) is
incomplete:
The
Certificate
of
Acknowledgement
for the
borrower is
missing the
execution
year in the
XXXX
section.		   Resolved    Rebuttal 1
(XX/XX/
XXXX
XX:XXPM)

Recorded
scriveners&#XXXX;
affidavit
attached

   Response 1
(XX/XX/
XXXX
XX:XXAM)

The
documentation
provided is
sufficient to
clear the
finding.
(Resolved)

           3        1        3        1  

XXXX

      9000929      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        1  

XXXX

      9000929      3 of 3      XXXX        XXXX      Valuation    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

      9000930      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

      9000930      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000930      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

      9000932      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000932      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000932      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000936      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

      9000936      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000936      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

      9000941      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

      9000941      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000941      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)

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:XXAM)

The second
AVM
provided did
not support
the origination
value within
10%. (XXXX)

           3        3        3        3  

XXXX

      9000947      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000947      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000947      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000948      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000948      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000948      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000949      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000949      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000949      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000950      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

      9000950      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000950      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

      9000951      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000951      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000951      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000952      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000952      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000952      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000957      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000957      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000957      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000959      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

      9000959      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000959      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

      9000961      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000961      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000961      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000962      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000962      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000962      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000963      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000963      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000963      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000964      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000964      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

      9000964      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000965      1 of 3      XXXX        XXXX      Compliance    Note —
Missing
Signature		   XXXX    The Note
was not
fully
executed
by the
borrowers.		   Resolved    Rebuttal 1
(XX/XX/
XXXX
XX:XXAM)

Borrower
executed
note /
heloc
agreement
attached

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The
documentation
provided is
sufficient to
clear the
finding.
(Resolved)

           3        1        3        2  

XXXX

      9000965      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9000965      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

      9000969      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

      9000969      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9000969      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)

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:XXAM)

The second
AVM
provided did
not support
the origination
value within
10%. (XXXX)

           3        3        3        3  

XXXX

      9000971      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000971      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000971      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000973      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000973      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000973      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000976      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000976      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000976      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000977      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000977      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000977      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000979      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000979      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000979      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000982      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000982      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000982      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9000983      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000983      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000983      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000984      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000984      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000984      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000987      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000987      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000987      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000988      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000988      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000988      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9000996      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9000996      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9000996      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001000      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001000      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001000      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001005      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001005      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001005      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001009      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

      9001009      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001009      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

      9003913      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

      9003913      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003913      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

      9001015      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

      9001015      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001015      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

      9001022      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001022      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001022      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001027      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001027      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001027      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001029      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

      9001029      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001029      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

      9001037      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

      9001037      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001037      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:XXAM)

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:XXAM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9001039      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

      9001039      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001039      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:XXAM)

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:XXAM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9001045      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001045      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001045      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001047      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001047      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

      9001047      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001048      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001048      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001048      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001052      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001052      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001052      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001053      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001053      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001053      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001057      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

      9001057      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001057      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

      9001058      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001058      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001058      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001063      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001063      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001063      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001065      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001065      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001065      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001069      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001069      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001069      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9001075      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001075      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001075      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001086      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

      9001086      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001086      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

      9001087      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001087      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001087      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001088      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001088      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001088      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001090      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001090      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001090      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001091      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001091      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001091      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001092      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001092      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001092      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001094      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001094      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001094      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001098      1 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

      9001098      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001098      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001099      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001099      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001099      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001101      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001101      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001101      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001104      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

      9001104      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001104      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

      9001107      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001107      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001107      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001108      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001108      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001108      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001110      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001110      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001110      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001111      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001111      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001111      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001112      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001112      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

      9001112      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9001114      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001114      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001114      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9001116      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001116      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001116      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9001119      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001119      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001119      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9001130      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001130      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001130      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9001131      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The following
section of the
Condominium
Rider is
incomplete:
The project
name is
missing.		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

Updated
recorded
deed
attached

   Response 1
(XX/XX/
XXXX
XX:XXAM)

The
documentation
provided is
sufficient to
clear the
finding.
(Resolved)

           3        1        3        2  

XXXX

      9001131      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001131      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

      9001142      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001142      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001142      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9001144      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001144      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001144      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9001145      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001145      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001145      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9001146      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001146      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001146      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001147      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001147      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001147      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001148      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001148      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001148      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001150      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

      9001150      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001150      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

      9001153      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

      9001153      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001153      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

      9001156      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001156      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001156      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001158      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001158      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001158      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001160      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001160      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001160      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001161      1 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

      9001161      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001161      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001165      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001165      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001165      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001167      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

      9001167      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001167      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

      9001168      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001168      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001168      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001169      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

      9001169      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001169      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

      9001170      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001170      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001170      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001172      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001172      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001172      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001173      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001173      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001173      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001179      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001179      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

      9001179      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001180      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001180      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001180      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001181      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001181      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001181      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001182      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001182      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001182      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001183      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001183      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001183      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001185      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001185      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001185      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001186      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001186      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001186      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001191      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

      9001191      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001191      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

      9001192      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001192      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001192      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9001201      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001201      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001201      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001202      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001202      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001202      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001211      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001211      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001211      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001212      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001212      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001212      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001213      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001213      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001213      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001214      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001214      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001214      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001217      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001217      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001217      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001221      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

      9001221      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001221      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

      9001222      1 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

      9001222      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001222      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001226      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001226      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001226      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001232      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001232      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001232      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001243      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001243      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001243      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001244      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

      9001244      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001244      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

      9001246      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001246      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001246      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001248      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001248      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001248      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001250      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001250      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001250      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001252      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001252      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

      9001252      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001257      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001257      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001257      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001258      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001258      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001258      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001260      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001260      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001260      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001263      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001263      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001263      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001264      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001264      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001264      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001267      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001267      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001267      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001269      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

      9001269      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001269      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

      9001270      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001270      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001270      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9001271      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001271      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001271      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001274      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

      9001274      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001274      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

      9001276      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001276      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001276      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001278      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001278      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001278      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001282      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001282      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001282      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001284      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001284      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001284      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001292      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001292      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001292      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001293      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001293      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001293      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001294      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

      9001294      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001294      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

      9001302      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001302      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001302      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001309      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001309      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001309      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001310      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001310      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001310      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001318      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001318      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001318      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001319      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001319      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001319      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001320      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001320      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001320      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001321      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001321      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001321      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001325      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001325      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

      9001325      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001326      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001326      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001326      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001329      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001329      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001329      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001333      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001333      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001333      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001335      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001335      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001335      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001338      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001338      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001338      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001359      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001359      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001359      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001360      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001360      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001360      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001364      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001364      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001364      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9001370      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001370      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001370      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001374      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001374      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001374      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001375      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001375      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001375      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001380      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001380      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001380      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001381      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001381      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001381      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001383      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001383      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001383      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001384      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001384      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001384      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001385      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001385      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001385      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001386      1 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

      9001386      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001386      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001388      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001388      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001388      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001397      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001397      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001397      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001398      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001398      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001398      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001399      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001399      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001399      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001402      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001402      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001402      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001407      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001407      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001407      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001410      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

      9001410      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001410      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

      9001413      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001413      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

      9001413      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001414      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001414      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001414      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001416      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001416      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001416      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001420      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001420      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001420      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001425      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001425      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001425      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001427      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001427      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001427      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001433      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001433      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001433      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001447      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001447      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001447      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001456      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001456      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001456      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9001457      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001457      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001457      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001459      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001459      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001459      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001464      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001464      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001464      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001466      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001466      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001466      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001467      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001467      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001467      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001482      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001482      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001482      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001490      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001490      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001490      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001499      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

      9001499      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001499      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

      9001501      1 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

      9001501      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001501      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001502      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001502      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001502      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001503      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001503      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001503      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001505      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001505      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001505      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001515      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001515      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001515      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001516      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001516      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001516      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001529      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001529      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001529      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001530      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001530      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001530      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001532      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001532      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

      9001532      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                    1        1        1        1  

XXXX

      9001538      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                    1        1        1        1  

XXXX

      9001538      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001538      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                    1        1        1        1  

XXXX

      9001542      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                    1        1        1        1  

XXXX

      9001542      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001542      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                    1        1        1        1  

XXXX

      9001543      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                    1        1        1        1  

XXXX

      9001543      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001543      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                    1        1        1        1  

XXXX

      9001554      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                    1        1        1        1  

XXXX

      9001554      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001554      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                    1        1        1        1  

XXXX

      9001568      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

      9001568      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        2        2  

XXXX

      9001568      3 of 3      XXXX        XXXX      Valuation    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

      9001569      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                    1        1        1        1  

XXXX

      9001569      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001569      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                    1        1        1        1  

XXXX

      9001573      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                    1        1        1        1  

XXXX

      9001573      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001573      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                    1        1        1        1  

XXXX

      9001580      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                    1        1        1        1  

XXXX

      9001580      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001580      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9001581      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9001581      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001581      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9001585      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

      9001585      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        2        2  

XXXX

      9001585      3 of 3      XXXX        XXXX      Valuation    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

      9001587      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

      9001587      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001587      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

      9001588      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9001588      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001588      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9001594      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9001594      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001594      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9001595      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9001595      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001595      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9001596      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9001596      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001596      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9001604      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9001604      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001604      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9001608      1 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

      9001608      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001608      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001615      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001615      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001615      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001620      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001620      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001620      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001625      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001625      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001625      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001635      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001635      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001635      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001637      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001637      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001637      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001647      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001647      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001647      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001650      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001650      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9001650      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9001659      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9001659      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

      9001659      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001663      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001663      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001663      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001667      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

      9001667      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001667      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

      9001670      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001670      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001670      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001675      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001675      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001675      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001683      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

      9001683      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001683      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

      9001687      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001687      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001687      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001694      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001694      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001694      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001700      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001700      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001700      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9001701      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001701      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001701      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001702      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001702      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001702      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001706      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

      9001706      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001706      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

      9001707      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001707      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001707      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001714      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001714      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001714      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001716      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

      9001716      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001716      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

      9001720      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001720      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001720      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001726      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001726      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001726      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001737      1 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

      9001737      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001737      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001739      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001739      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001739      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001745      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001745      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001745      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001748      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001748      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001748      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001757      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001757      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001757      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001759      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

      9001759      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001759      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

      9001767      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001767      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001767      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001768      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001768      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001768      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003914      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003914      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

      9003914      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001795      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001795      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001795      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001800      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001800      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001800      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001803      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001803      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001803      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001804      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001804      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001804      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001811      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001811      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001811      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001812      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001812      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001812      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001831      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

      9001831      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001831      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

      9001847      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001847      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001847      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9001854      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001854      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001854      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001855      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

      9001855      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001855      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:XXAM)

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:XXAM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9003915      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003915      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003915      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001861      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001861      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001861      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001862      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

      9001862      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001862      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

      9001870      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001870      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001870      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001873      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001873      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001873      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001876      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001876      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001876      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001877      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

      9001877      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001877      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:XXAM)

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:XXAM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9001878      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

      9001878      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001878      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

      9001880      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001880      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001880      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001882      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001882      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001882      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001886      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001886      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001886      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001887      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

      9001887      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001887      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

      9001892      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001892      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001892      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001893      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

      9001893      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001893      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

      9001905      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001905      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

      9001905      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001908      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

      9001908      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001908      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:XXAM)

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:XXAM)

The second
AVM
provided did
support the
origination
value within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9001912      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001912      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001912      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001916      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001916      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001916      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001918      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001918      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001918      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001919      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001919      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001919      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001921      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001921      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001921      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001926      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001926      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001926      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001930      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.		   Upheld    Rebuttal 1 (XX/
XX/XXXX
XX:XXPM)

Primary
borrower
“XXXX” signed
deedon XXXX/
XXXX and
additional signer
“XXXX” signed
deed on XXXX/
XXXX.Uploaded
RTC showing
account was
opened on
XXXX/XXXX
and rescission
period ended on
XXXX which
was signed by
both primary
borrower and
additional
signer.
Loanfunded on
XXXX/XXXX
after rescission
period ended.

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The
documentation
provided is not
sufficient to
clear the
finding. The
additional
signor signed
the Mortgage
and the Right
to Cancel on
XX/XX/
XXXX. The
rescission
periods starts
when they
signed on XX/
XX/XXXX.
The loan
funded on XX/
XX/XXXX. All
borrowers
were not given
the required
XXXX days to
rescind. Re-
opening of
rescission is
required.
(XXXX)

           3        3        3        3  

XXXX

      9001930      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001930      3 of 3      XXXX        XXXX      Valuation    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  

 

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

      9001939      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

      9001939      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001939      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

      9001942      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

      9001942      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9001942      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

   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

      9001943      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001943      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001943      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001944      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

      9001944      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001944      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

      9001945      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001945      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001945      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001952      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001952      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001952      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001953      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001953      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001953      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001958      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001958      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001958      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001959      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

      9001959      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001959      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

      9001962      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001962      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001962      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001963      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001963      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001963      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001966      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001966      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001966      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001969      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001969      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001969      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001970      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001970      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001970      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001976      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Inaccurate		   XXXX    The
security
instrument
was not
completed
accurately.
The name
of the Trust
listed in the
mortgage
does not
match the
name of
the Trust
listed in the
Trust
documents.
The Trust
name
(XXXX) is
mispelled
on the
security
instrument
(XXXX).		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

Docs
uploaded.

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The
documentation
provided is
sufficient to
clear the
finding.
(Resolved)

           3        1        3        1  

XXXX

      9001976      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        1  

XXXX

      9001976      3 of 3      XXXX        XXXX      Valuation    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

      9001980      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001980      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001980      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001982      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

      9001982      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

      9001982      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

      9001985      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

      9001985      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9001985      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

      9001990      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001990      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001990      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001992      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001992      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001992      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9001999      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9001999      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9001999      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002001      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002001      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002001      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002003      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002003      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002003      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002004      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002004      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002004      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002006      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

      9002006      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002006      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  

 

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

      9002009      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002009      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002009      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002015      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002015      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002015      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002020      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

      9002020      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002020      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

      9002021      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

      9002021      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002021      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

      9002022      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002022      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002022      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002028      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002028      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002028      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002029      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002029      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002029      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003916      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003916      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003916      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002041      1 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

      9002041      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002041      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002044      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002044      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002044      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002046      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

      9002046      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002046      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

      9002047      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002047      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002047      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002051      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002051      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002051      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002052      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002052      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002052      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002053      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002053      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002053      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002057      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002057      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002057      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002058      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002058      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

      9002058        3 of 3        XXXX        XXXX        Valuation       


 Appraisal — Value
is supported within
10% of original
appraisal amount		  
 
 
 		     XXXX       



 The secondary
valuation product
supported the
original appraised
value within 10%.		  
 
 
 
 		                  1        1        1        1  

XXXX

      9002062        1 of 3        XXXX        XXXX        Compliance       
 No Compliance
Findings		  
 		     XXXX       


 The loan is in
compliance with
all applicable laws
and regulations.		  
 
 
 		                  1        1        1        1  

XXXX

      9002062        2 of 3        XXXX        XXXX        Credit        No Credit Finding       XXXX       

 The loan meets all
applicable credit
guidelines.		  
 
 		                  1        1        1        1  

XXXX

      9002062        3 of 3        XXXX        XXXX        Valuation       


 Appraisal — Value
is supported within
10% of original
appraisal amount		  
 
 
 		     XXXX       



 The secondary
valuation product
supported the
original appraised
value within 10%.		  
 
 
 
 		                  1        1        1        1  

XXXX

      9002063        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

      9002063        2 of 3        XXXX        XXXX        Credit        No Credit Finding       XXXX       

 The loan meets all
applicable credit
guidelines.		  
 
 		                  1        1        3        3  

XXXX

      9002063        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

      9002069        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

      9002069        2 of 3        XXXX        XXXX        Credit        No Credit Finding       XXXX       

 The loan meets all
applicable credit
guidelines.		  
 
 		                  1        1        3        2  

XXXX

      9002069        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

      9002072        1 of 3        XXXX        XXXX        Compliance       
 No Compliance
Findings		  
 		     XXXX       


 The loan is in
compliance with
all applicable laws
and regulations.		  
 
 
 		                  1        1        1        1  

XXXX

      9002072        2 of 3        XXXX        XXXX        Credit        No Credit Finding       XXXX       

 The loan meets all
applicable credit
guidelines.		  
 
 		                  1        1        1        1  

XXXX

      9002072        3 of 3        XXXX        XXXX        Valuation       


 Appraisal — Value
is supported within
10% of original
appraisal amount		  
 
 
 		     XXXX       



 The secondary
valuation product
supported the
original appraised
value within 10%.		  
 
 
 
 		                  1        1        1        1  

XXXX

      9002079        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

      9002079        2 of 3        XXXX        XXXX        Credit        No Credit Finding       XXXX       

 The loan meets all
applicable credit
guidelines.		  
 
 		                  1        1        3        2  

XXXX

      9002079        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:XXAM)

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:XXAM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

  

 
 

 
 
 
 
 
 
 
 
 
 
 
 
 

 

 
 

 
 
 
 
 
 
 
 
 
 
 
 

           3        2        3        2  

XXXX

      9002080       

 1
of
3		  
 
 		      XXXX        XXXX        Compliance       

 No
Compliance
Findings		  
 
 		     XXXX       





 The loan is
in
compliance
with all
applicable
laws and
regulations.		  
 
 
 
 
 
 		                  1        1        1        1  

XXXX

      9002080       

 2
of
3		  
 
 		      XXXX        XXXX        Credit       
 No Credit
Finding		  
 		     XXXX       



 The loan
meets all
applicable
credit
guidelines.		  
 
 
 
 		                  1        1        1        1  

XXXX

      9002080       

 3
of
3		  
 
 		      XXXX        XXXX        Valuation       





 Appraisal
— Value is
supported
within 10


  
 
 
% 
of original 
appraisal 
amount 		     XXXX       








 The
secondary
valuation
product
supported
the original
appraised
value
within
10		  
 
 
 
 
 
 
 
 
%. 		                  1        1        1        1  

XXXX

      9002081       

 1
of
3		  
 
 		      XXXX        XXXX        Compliance       

 No
Compliance
Findings		  
 
 		     XXXX       





 The loan is
in
compliance
with all
applicable
laws and
regulations.		  
 
 
 
 
 
 		                  1        1        1        1  

XXXX

      9002081       

 2
of
3		  
 
 		      XXXX        XXXX        Credit       
 No Credit
Finding		  
 		     XXXX       



 The loan
meets all
applicable
credit
guidelines.		  
 
 
 
 		                  1        1        1        1  

XXXX

      9002081       

 3
of
3		  
 
 		      XXXX        XXXX        Valuation       





 Appraisal
— Value is
supported
within 10


  
 
 
% 
of original 
appraisal 
amount 		     XXXX       








 The
secondary
valuation
product
supported
the original
appraised
value
within
10		  
 
 
 
 
 
 
 
 
%. 		                  1        1        1        1  

XXXX

      9002082       

 1
of
3		  
 
 		      XXXX        XXXX        Compliance       

 No
Compliance
Findings		  
 
 		     XXXX       





 The loan is
in
compliance
with all
applicable
laws and
regulations.		  
 
 
 
 
 
 		                  1        1        1        1  

XXXX

      9002082       

 2
of
3		  
 
 		      XXXX        XXXX        Credit       
 No Credit
Finding		  
 		     XXXX       



 The loan
meets all
applicable
credit
guidelines.		  
 
 
 
 		                  1        1        1        1  

XXXX

      9002082       

 3
of
3		  
 
 		      XXXX        XXXX        Valuation       





 Appraisal
— Value 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

      9003917      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003917      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003917      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002091      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002091      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002091      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002107      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

      9002107      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002107      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

      9002109      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002109      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002109      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002112      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

      9002112      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002112      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

      9002113      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002113      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002113      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002114      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002114      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002114      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002120      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002120      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002120      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002122      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

      9002122      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002122      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

   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

      9002126      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002126      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002126      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002129      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

      9002129      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002129      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

      9002140      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002140      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002140      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002143      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002143      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002143      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002144      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002144      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002144      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002149      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

      9002149      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002149      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

      9002151      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002151      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002151      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002159      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002159      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

 

 

68

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

      9002159      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002166      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002166      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002166      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002168      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002168      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002168      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002172      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

      9002172      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002172      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

      9002173      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002173      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002173      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002179      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002179      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002179      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002182      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002182      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002182      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002184      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

      9002184      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002184      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

      9002191      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002191      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002191      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9002193      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002193      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002193      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002202      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002202      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002202      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002203      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002203      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002203      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002204      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002204      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002204      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002205      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002205      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002205      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002207      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002207      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002207      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002209      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002209      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002209      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002211      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002211      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002211      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002214      1 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

      9002214      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002214      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002216      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002216      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002216      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002217      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002217      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002217      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002220      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002220      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002220      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002222      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002222      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002222      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002228      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002228      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002228      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002229      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002229      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002229      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002231      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

      9002231      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002231      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9002232      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002232      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

      9002232      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002233      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

      9002233      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002233      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

      9002234      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002234      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002234      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002241      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

      9002241      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002241      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

      9002245      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

      9002245      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        2        2  

XXXX

      9002245      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
within
10%.		                  2        2        2        2  

XXXX

      9002249      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002249      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002249      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002253      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

      9002253      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002253      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9002255      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002255      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002255      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002256      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002256      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002256      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9002257      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002257      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002257      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002258      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002258      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002258      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002260      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002260      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002260      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002261      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002261      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002261      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002262      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002262      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002262      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002263      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002263      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002263      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002266      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002266      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002266      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002270      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

      9002270      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002270      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9002271      1 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

      9002271      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002271      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002272      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002272      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002272      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002275      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002275      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002275      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002278      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

      9002278      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002278      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9002279      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002279      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002279      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002280      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

      9002280      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002280      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9002287      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002287      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002287      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002292      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002292      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002292      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002295      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002295      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

      9002295      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002296      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002296      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002296      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002297      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002297      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002297      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002299      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002299      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002299      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002301      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002301      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002301      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002309      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002309      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002309      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002318      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002318      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002318      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002320      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002320      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002320      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002326      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

      9002326      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002326      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
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

      9002327      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002327      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002327      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002331      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002331      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002331      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002340      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

      9002340      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002340      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9002343      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

      9002343      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002343      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

Rebuttal
2 (XX/
XX/
XXXX
XX:XXAM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

Response
2 (XX/XX/
XXXX
XX:XXAM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9002346      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

      9002346      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002346      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9002347      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002347      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002347      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002349      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002349      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002349      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002353      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002353      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002353      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002358      1 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

      9002358      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002358      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002363      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

      9002363      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002363      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9002364      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002364      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002364      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002372      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002372      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002372      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002375      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002375      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002375      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002378      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002378      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002378      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002380      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002380      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002380      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002381      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002381      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002381      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002382      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002382      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

      9002382      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002386      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002386      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002386      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002388      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002388      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002388      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002392      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002392      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002392      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002393      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002393      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002393      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002394      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

      9002394      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002394      3 of 3      XXXX        XXXX      Valuation    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

      9002400      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002400      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002400      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002406      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002406      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002406      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002408      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

      9002408      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002408      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

 

Loan Number

    Loan ID      Finding #    Last Name      Note Date      Audit Category      Audit Issue     Finding ID       Exception Finding      Remediation Status     Exception Rebuttal    Exception Response   Status Comment      Compensating Factors      Initial Findings Grade      Final Findings Grade      Initial Loan Grade      Final Loan Grade  

XXXX

      9002409      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002409      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002409      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation
product supported the
original appraised value
within 10%.		                  1        1        1        1  

XXXX

      9002427      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002427      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002427      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation
product supported the
original appraised value
within 10%.		                  1        1        1        1  

XXXX

      9002435      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The following section of
the Security Instrument
(Mortgage/Deed of
Trust) is incomplete: The
condominium rider is
missing the name of the
condominiumproject.		                  3        3        3        3  

XXXX

      9002435      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        3        3  

XXXX

      9002435      3 of 3      XXXX        XXXX      Valuation    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

      9002436      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002436      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002436      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation
product supported the
original appraised value
within 10%.		                  1        1        1        1  

XXXX

      9002441      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

      9002441      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        3        3  

XXXX

      9002441      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second AVM
provided did not support
the origination value
within 10%. (XXXX)		   Upheld    Rebuttal 1
(XX/XX/XXXX
XX:XXPM)

2nd AVM
provided

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The second
AVM provided
did not
support the
origination
value within
10%. (XXXX)

           3        3        3        3  

XXXX

      9002443      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002443      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002443      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation
product supported the
original appraised value
within 10%.		                  1        1        1        1  

XXXX

      9002447      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002447      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002447      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation
product supported the
original appraised value
within 10%.		                  1        1        1        1  

XXXX

      9002448      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

      9002448      2 of 3      XXXX        XXXX      Credit    DTI —
Exceeds
Guidelines		   XXXX    The income data was
delivered as $XXXX
Documentation for the
borrower reflected
income of $XXXX. The
DTI of XXXX% exceeds
the guidelines.		   Resolved    Rebuttal 1
(XX/XX/XXXX
XX:XXAM)

Uploaded copy
of paystub used
in income
verification.
Used total
verified income
since it was less
than total
stated
income.Paystub
= XXXX *
XXXX =
XXXXVerified
Annual Asset
Depletion =
XXXX *
XXXX =
XXXX Total
Verified
Income =
XXXX +
XXXX =
XXXX Total
Stated Income
= XXXX
Borrower_Income_UW
= XXXX

   Response 1
(XX/XX/
XXXX
XX:XXAM)

The income is
supported.
Documentation
is sufficient.
(Resolved)

           3        1        3        1  

XXXX

      9002448      3 of 3      XXXX        XXXX      Valuation    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

      9002450      1 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

      9002450      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002450      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002452      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002452      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002452      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002453      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002453      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002453      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002460      1 of 3      XXXX        XXXX      Compliance    State
Testing —
Prohibited
Fees		   XXXX    The loan
failed the
XXXX
prohibited
lender fees
test. The
loan failed
the
origination
and
processing
fees test
due to one
or more of
the
following
findings:
The loan is
Home
Acquisition
Loan
(XXXX
Code
§535.8(XXXX)),
and
charges a
loan
origination
or
processing
fee, a
broker fee,
or both,
which
together
exceed
XXXX
percent
(XXXX%)
of an
amount
which is
equal to the
loan
principal;
or XXXX
percent
(XXXX%)
of the
unpaid
balance
that is
refinanced
by the
same
lender
(XXXX
Code
§535.8(XXXX)(a)).
This test
includes
the
following
fees:
Origination
fee
$XXXX,
XXXX fee
$XXXX.
The loan
fails the
prohibited
fees test by
$XXXX.
However,
per
535.8(XXXX)(b)
does not
include
HELOCs
in its
definition
of a
“Loan”.
Informational
Only.		                  1        1        1        1  

XXXX

      9002460      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002460      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002461      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002461      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002461      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002475      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002475      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002475      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002482      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002482      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002482      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002484      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

      9002484      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002484      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9002486      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002486      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

      9002486      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9002489      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

      9002489      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002489      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided did
support the
origination
value within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9002494      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002494      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002494      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9002495      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

      9002495      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002495      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided did
not support
the
origination
value within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9002501      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Inaccurate		   XXXX    The security
instrument
was not
completed
accurately.
The
Condominium
project name
(XXXX) on
the Condo
rider is
inaccurate
when
compared to
the legal
description
“XXXX”.		                  3        3        3        3  

XXXX

      9002501      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002501      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided did
support the
origination
value within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        3  

XXXX

      9002503      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002503      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002503      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9002508      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

      9002508      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002508      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided did
not support
the
origination
value within
10%.
(XXXX)		   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

      9002509      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002509      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002509      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9002519      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002519      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002519      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9002524      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002524      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002524      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002525      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002525      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002525      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002530      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002530      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002530      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002534      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

      9002534      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002534      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9002541      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

      9002541      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002541      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9002544      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002544      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002544      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002547      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002547      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002547      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002550      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section of
the
Security
Instrument
(Mortgage/
Deed of
Trust) is
incomplete:
The
Condominium
rider is
missing the
name of
the
Condominium
project.		                  3        3        3        3  

XXXX

      9002550      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002550      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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        3  

XXXX

      9002558      1 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

      9002558      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002558      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation
product supported the
original appraised value
within 10%.		                  1        1        1        1  

XXXX

      9002563      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002563      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002563      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation
product supported the
original appraised value
within 10%.		                  1        1        1        1  

XXXX

      9002564      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002564      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002564      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation
product supported the
original appraised value
within 10%.		                  1        1        1        1  

XXXX

      9002565      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

      9002565      2 of 3      XXXX        XXXX      Credit    DTI —
Exceeds
Guidelines		   XXXX    The income data was
delivered as $XXXX
Documentation for the
borrower reflected
income of $XXXX. The
DTI of XXXX% exceeds
the guidelines.		   Resolved    Rebuttal 1
(XX/XX/
XXXX
XX:XXAM)

Uploaded
copy of
XXXX
report used
in income
verification.
Used total
stated
income since
it was less
than total
verified
income.Truv
Calculated
Payroll
Income =
((XXXX /
XXXX) *
XXXX) +
XXXX =
XXXX Total
Verified
Income =
XXXX Total
Stated
Income =
XXXX
Borrower_Income_UW
= XXXX

   Response 1
(XX/XX/
XXXX
XX:XXAM)

The income is
supported.
Documentation
is sufficient.
(Resolved)

           3        1        3        1  

XXXX

      9002565      3 of 3      XXXX        XXXX      Valuation    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

      9002566      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002566      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002566      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation
product supported the
original appraised value
within 10%.		                  1        1        1        1  

XXXX

      9002569      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002569      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002569      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation
product supported the
original appraised value
within 10%.		                  1        1        1        1  

XXXX

      9002571      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002571      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002571      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation
product supported the
original appraised value
within 10%.		                  1        1        1        1  

XXXX

      9002576      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002576      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002576      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary valuation
product supported the
original appraised value
within 10%.		                  1        1        1        1  

XXXX

      9002577      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002577      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

      9002577      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002578      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002578      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002578      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002579      1 of 3      XXXX        XXXX      Compliance    Note —
Missing
Signature		   XXXX    The Note
was not
fully
executed
by the
borrower.		                    3        3        3        3  

XXXX

      9002579      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        3        3  

XXXX

      9002579      3 of 3      XXXX        XXXX      Valuation    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

      9002580      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002580      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002580      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002582      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002582      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002582      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002585      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002585      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002585      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002586      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002586      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002586      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002589      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002589      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002589      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002592      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002592      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002592      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9002595      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

      9002595      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002595      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9002600      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002600      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002600      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002602      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

      9002602      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002602      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9002603      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002603      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002603      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002608      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002608      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002608      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002613      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

      9002613      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002613      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9002617      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002617      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002617      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002618      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002618      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002618      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002620      1 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

      9002620      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002620      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002621      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002621      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002621      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002622      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002622      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002622      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002624      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002624      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002624      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002626      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002626      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002626      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002632      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002632      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002632      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002633      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002633      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002633      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002634      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002634      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002634      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002638      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

      9002638      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

      9002638      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9002639      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002639      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002639      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002650      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002650      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002650      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002652      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

      9002652      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002652      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9002655      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002655      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002655      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002657      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002657      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002657      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002658      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

      9002658      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002658      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

      9002660      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

      9002660      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002660      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9002666      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

      9002666      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002666      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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  

 

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

      9002667      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

      9002667      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002667      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9002668      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002668      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002668      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002672      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

      9002672      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002672      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9002690      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002690      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002690      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002695      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002695      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002695      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002696      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002696      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002696      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002704      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002704      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002704      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002708      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002708      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002708      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002709      1 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

      9002709      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002709      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002712      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002712      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002712      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002715      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

      9002715      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        2        2  

XXXX

      9002715      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
within
10%.		                  2        2        2        2  

XXXX

      9002718      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

      9002718      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002718      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9002721      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002721      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002721      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002727      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002727      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002727      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002732      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002732      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002732      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002733      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

      9002733      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002733      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9002739      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002739      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

      9002739      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002740      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002740      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002740      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002741      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002741      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002741      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002742      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002742      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002742      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002748      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002748      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002748      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002749      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002749      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002749      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002751      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

      9002751      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        2        2  

XXXX

      9002751      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
within
10%.		                    2        2        2        2  

XXXX

      9002756      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002756      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002756      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002758      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002758      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002758      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9002762      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002762      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002762      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9002764      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002764      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002764      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9002765      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

      9002765      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        3        3  

XXXX

      9002765      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second AVM
provided did not
support the
origination value
within 10%.
(XXXX)		   Upheld    Rebuttal 1
(XX/XX/
XXXX
XX:XXPM)

2nd AVM
provided

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The second
AVM
provided
did not
support the
origination
value
within 10%.
(XXXX)

           3        3        3        3  

XXXX

      9002768      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002768      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002768      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9002771      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

      9002771      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:XXAM)

Uploaded
copy of
paystub
used in
income
verification.
Used total
verified
income since
it was less
than total
stated
income.Total
Verified
Income =
XXXX *
XXXX =
XXXX.
Total Stated
Income =
XXXX.
Borrower_Income_UW
= XXXX

   Response 1
(XX/XX/
XXXX
XX:XXAM)

Explanation
is sufficient.
(Resolved)

           3        1        3        3  

XXXX

      9002771      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.
(XXXX)		   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

      9002772      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002772      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002772      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9002773      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002773      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002773      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9002784      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9002784      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9002784      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9002786      1 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

      9002786      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002786      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002788      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002788      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002788      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002794      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002794      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002794      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002797      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002797      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002797      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002798      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002798      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002798      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002800      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

      9002800      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002800      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   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

      9002802      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002802      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002802      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002803      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002803      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002803      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002804      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002804      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

      9002804      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002805      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002805      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002805      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002811      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

      9002811      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002811      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9002812      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

      9002812      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002812      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9002814      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002814      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002814      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002822      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002822      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002822      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002828      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002828      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002828      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002829      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002829      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002829      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002831      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002831      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002831      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9002832      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002832      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002832      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002838      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002838      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002838      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002839      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002839      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002839      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002842      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Inaccurate		   XXXX    The
security
instrument
was not
completed
accurately.
The PUD
name on
the PUD
Rider
shows:
XXXX
HOA II,
however,
the Legal
Description
shows
XXXX:
XXXX.		                  3        3        3        3  

XXXX

      9002842      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002842      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   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

      9002844      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002844      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002844      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002845      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

      9002845      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002845      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9002858      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002858      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002858      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002865      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002865      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002865      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002868      1 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

      9002868      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002868      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002869      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002869      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002869      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002872      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002872      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002872      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002873      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002873      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002873      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002878      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002878      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002878      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002887      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002887      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002887      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002895      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002895      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002895      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002897      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

      9002897      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002897      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.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXAM)

2nd
AVM
requested

Rebuttal
2 (XX/
XX/
XXXX
XX:XXAM)

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:XXAM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9002898      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002898      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

      9002898      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002899      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002899      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002899      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002900      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002900      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002900      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002901      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002901      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002901      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002904      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002904      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002904      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002906      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002906      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002906      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002913      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002913      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002913      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002914      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002914      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002914      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002919      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002919      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002919      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9002921      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002921      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002921      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002927      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002927      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002927      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002929      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002929      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002929      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002931      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002931      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002931      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002934      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002934      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002934      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002939      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002939      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002939      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002940      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002940      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002940      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002942      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9002942      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9002942      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9002946      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

      9002946      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002946      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided did
not support
the origination
value within
10%. (XXXX)		   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

      9002947      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002947      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002947      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9002948      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002948      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002948      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9002953      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
showing
transfer to
ourborrower
to SFTP

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The
documentation
provided is
sufficient to
clear the
finding.
(Resolved)

           3        1        3        3  

XXXX

      9002953      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002953      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided did
not support
the origination
value within
10%. (XXXX)		   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

      9002957      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002957      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002957      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9002959      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002959      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002959      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9002962      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002962      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002962      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9002963      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002963      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002963      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9002968      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002968      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

      9002968      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002974      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002974      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002974      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002976      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002976      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002976      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002977      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002977      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002977      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002987      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002987      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002987      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002990      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    Security
Instrument
—
Incomplete.
The PUD
rider is
missing the
name of the
XXXX.		                  3        3        3        3  

XXXX

      9002990      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9002990      3 of 3      XXXX        XXXX      Valuation    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

      9002995      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9002995      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9002995      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9002999      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

      9002999      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9002999      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9003003      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

      9003003      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003003      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
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

      9003005      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003005      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003005      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003016      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

      9003016      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003016      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9003018      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003018      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003018      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003019      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003019      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003019      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003020      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003020      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003020      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003023      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

      9003023      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003023      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9003029      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

      9003029      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003029      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9003036      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003036      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003036      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003041      1 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

      9003041      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003041      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003042      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

      9003042      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003042      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided did
support the
origination
value within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9003054      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003054      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003054      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003055      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003055      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003055      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003064      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003064      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003064      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003065      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003065      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003065      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003068      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.		                  3        3        3        3  

XXXX

      9003068      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003068      3 of 3      XXXX        XXXX      Valuation    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

      9003073      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003073      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003073      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003074      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003074      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

      9003074      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003075      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003075      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003075      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003088      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003088      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003088      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003090      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

      9003090      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003090      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   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

      9003093      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003093      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003093      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003095      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

      9003095      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003095      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9003096      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003096      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003096      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003099      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003099      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003099      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003102      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003102      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003102      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9003105      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

      9003105      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        3        2  

XXXX

      9003105      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second AVM
provided did support
the origination value
within 10%.
(Resolved)		   Resolved    Rebuttal 1
(XX/XX/XXXX
XX:XXPM)

2nd AVM
provided

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The second
AVM provided
did support the
origination
value within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9003111      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003111      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003111      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value within
10%.		                  1        1        1        1  

XXXX

      9003114      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

      9003114      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        3        2  

XXXX

      9003114      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second AVM
provided did support
the origination value
within 10%.
(Resolved)		   Resolved    Rebuttal 1
(XX/XX/XXXX
XX:XXPM)

2nd AVM
provided

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The second
AVM provided
did support the
origination
value within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9003115      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

      9003115      2 of 3      XXXX        XXXX      Credit    DTI —
Exceeds
Guidelines		   XXXX    The income data was
delivered as $XXXX
Documentation for the
borrower reflected
income of $XXXX.
The DTI of XXXX%
exceeds the guidelines.		   Resolved    Rebuttal 1
(XX/XX/XXXX
XX:XXAM)

Uploaded copy
of paystub used
in income
verification.
Used total
verified income
since it was less
than total
stated
income.Paystub
(XXXX) =
(XXXX *
XXXX) +
XXXX =
XXXX.
Paystub
(XXXX) =
XXXX *
XXXX =
XXXX. Total
Verified
Income =
XXXX +
XXXX =
XXXX. Total
Stated Income
= XXXX.
Borrower_Income_UW
= XXXX.

   Response 1
(XX/XX/
XXXX
XX:XXAM)

The income is
supported.
Documentation
is sufficient.
(Resolved)

           3        1        3        1  

XXXX

      9003115      3 of 3      XXXX        XXXX      Valuation    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

      9003117      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

      9003117      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        3        3  

XXXX

      9003117      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second AVM
provided did not
support the origination
value within 10%.
(XXXX)		   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

      9003120      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003120      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003120      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value within
10%.		                  1        1        1        1  

XXXX

      9003122      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003122      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003122      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value within
10%.		                  1        1        1        1  

XXXX

      9003124      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003124      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003124      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value within
10%.		                  1        1        1        1  

XXXX

      9003126      1 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

      9003126      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003126      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003129      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

      9003129      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003129      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   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

      9003130      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Inaccurate		   XXXX    The
security
instrument
was not
completed
accurately.
The Condo
Rider is
missing the
project
name. The
Legal
description
shows
XXXX.		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXAM)

Docs
uploaded.

Rebuttal
2 (XX/
XX/
XXXX
XX:XXPM)

Docs
uploaded.

   Response 1
(XX/XX/
XXXX
XX:XXAM)

The
documentation
provided is not
sufficient to
clear the
finding. The
re-executed
Recorded
Mortgage has
been
provided;
however, the
Condo Rider
has not been
provided for
review. Please
provide the
Condo rider
for review.
(XXXX)

Response 2
(XX/XX/
XXXX
XX:XXPM)

The
documentation
provided is
sufficient to
clear the
finding.
(Resolved)

           3        1        3        1  

XXXX

      9003130      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        1  

XXXX

      9003130      3 of 3      XXXX        XXXX      Valuation    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

      9003133      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003133      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003133      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003135      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003135      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003135      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003140      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003140      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003140      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003160      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

      9003160      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003160      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The second
AVM
provided did
not support
the origination
value within
10%. (XXXX)

           3        3        3        3  

XXXX

      9003164      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003164      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003164      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003166      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003166      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

      9003166      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003169      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003169      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003169      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003170      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

      9003170      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003170      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9003918      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

      9003918      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003918      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   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

      9003173      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003173      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003173      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003175      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003175      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003175      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003176      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003176      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003176      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003178      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003178      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003178      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003179      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003179      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003179      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9003188      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003188      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003188      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003190      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003190      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003190      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003192      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003192      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003192      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003195      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003195      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003195      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003200      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003200      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003200      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003204      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

      9003204      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003204      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9003210      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003210      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003210      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003212      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003212      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003212      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003213      1 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

      9003213      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        1        1  

XXXX

      9003213      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003216      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The notary
acknowledgement
for XXXX is
missing		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXAM)

Docs
uploaded.

   Response 1
(XX/XX/
XXXX
XX:XXAM)

The
documentation
provided is
sufficient to
clear the
finding.
(Resolved)

           3        1        3        1  

XXXX

      9003216      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        3        1  

XXXX

      9003216      3 of 3      XXXX        XXXX      Valuation    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

      9003217      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003217      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        1        1  

XXXX

      9003217      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003218      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003218      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        1        1  

XXXX

      9003218      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003221      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003221      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        1        1  

XXXX

      9003221      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003224      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003224      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        1        1  

XXXX

      9003224      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003228      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

      9003228      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        3        2  

XXXX

      9003228      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second AVM
provided did
support the
origination value
within 10%.
(Resolved)		   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

      9003229      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003229      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        1        1  

XXXX

      9003229      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003232      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

      9003232      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

      9003232      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9003240      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003240      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003240      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003247      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003247      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003247      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003256      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003256      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003256      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003257      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

      9003257      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003257      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9003259      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003259      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003259      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003262      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003262      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003262      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003264      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003264      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003264      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003271      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003271      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003271      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9003277      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003277      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003277      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003278      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003278      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003278      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003281      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

      9003281      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        2        2  

XXXX

      9003281      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the
adjusted
appraised
value
within
10%.		                  2        2        2        2  

XXXX

      9003293      1 of 4      XXXX        XXXX      Compliance    Security
Instrument
—
Inaccurate		   XXXX    The
security
instrument
was not
completed
accurately.
The PUD
rider
disclosing
the
incorrect
name of
the PUD
project.
The rider
discloses
the PUD
name as
XXXX.
when the
name of
the project
is XXXX.		                  3        3        3        3  

XXXX

      9003293      2 of 4      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section of
the
Security
Instrument
(Mortgage/
Deed of
Trust) is
incomplete:
The
Condominium
rider is
missing the
name of
the
Condominium
project.		                  3        3        3        3  

XXXX

      9003293      3 of 4      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003293      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

      9003294      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003294      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003294      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003299      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003299      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003299      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003304      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

      9003304      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003304      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9003305      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003305      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003305      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9003311      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003311      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003311      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003317      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

      9003317      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003317      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9003320      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003320      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003320      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003322      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003322      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003322      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003324      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003324      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003324      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003332      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003332      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003332      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003334      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003334      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003334      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003335      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

      9003335      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003335      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9003337      1 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

      9003337      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003337      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003342      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003342      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003342      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003347      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003347      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003347      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003353      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003353      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003353      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003354      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003354      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003354      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003355      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003355      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003355      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003361      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003361      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003361      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003364      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003364      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003364      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003365      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Inaccurate		   XXXX    The
security
instrument
was not
completed
accurately.
The loan is
held in a
trust. On
page
XXXX of
the security
instrument,
as well as
in the
signature
block, the
trust’s
Under
Agreement
(U/A) date
is listed as
XX/XX/
XXXX.
However,
the
Certification
of Trust
reflects a
different U/
A date of
XX/XX/
XXXX. .		                    3        3        3        3  

XXXX

      9003365      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        3        3  

 

Loan Number

    Loan ID      Finding #    Last Name      Note Date      Audit Category      Audit Issue     Finding ID       Exception Finding      Remediation Status     Exception Rebuttal    Exception Response   Status Comment      Compensating Factors      Initial Findings Grade      Final Findings Grade      Initial Loan Grade      Final Loan Grade  

XXXX

      9003365      3 of 3      XXXX        XXXX      Valuation    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

      9003366      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

      9003366      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:XXAM)

Uploaded
income
docs to
SFTP.
XXXX
SSA =
XXXX *
XXXX =
XXXX
XXXX
Paystub
= XXXX
* (XXXX
/ XXXX)
= XXXX
(annualized
YTDwages
>
annualized
gross
wages of
XXXX *
XXXX =
XXXX)Monthly
Asset
Depletion
= XXXX
(based on
verified
savings
of
XXXX)Borrower_Income_UW
= XXXX
+ XXXX
+ (XXXX
* XXXX)
= XXXX

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The income is
supported.
Documentation
is sufficient.
(Resolved)

           3        1        3        2  

XXXX

      9003366      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second AVM
provided did
support the
origination value
within 10%.
(Resolved)		   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

      9003367      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9003367      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003367      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9003376      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9003376      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003376      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9003379      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9003379      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003379      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9003382      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The following
section of the
Security
Instrument
(Mortgage/Deed of
Trust) is
incomplete: The
Maturity date is
missing		                  2        2        2        2  

XXXX

      9003382      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        2        2  

XXXX

      9003382      3 of 3      XXXX        XXXX      Valuation    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

      9003383      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9003383      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003383      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9003385      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9003385      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003385      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9003387      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9003387      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003387      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9003389      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003389      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003389      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003390      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

      9003390      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003390      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9003393      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003393      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003393      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003395      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003395      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003395      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003403      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003403      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003403      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003404      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

      9003404      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003404      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9003411      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003411      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003411      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003415      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003415      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003415      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003418      1 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

      9003418      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003418      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003419      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003419      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003419      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003423      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003423      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003423      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003424      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003424      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003424      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003429      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003429      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003429      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003430      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003430      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003430      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003431      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

      9003431      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003431      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   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

      9003435      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

      9003435      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003435      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9003436      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003436      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

 

 

114

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

      9003436      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003444      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003444      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003444      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003451      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003451      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003451      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003452      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003452      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003452      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003454      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003454      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003454      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003456      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003456      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003456      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003459      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003459      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003459      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003460      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003460      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003460      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003461      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003461      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003461      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9003463      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
— Name
Discrepancy		   XXXX    The borrower’s
names on the Security
Instrument is
inconsistent with the
XXXX. The vesting
on our mortgage is
XXXX and XXXX
however the XXXX
shows XXXX as
current owner.		   Resolved    Rebuttal 1
(XX/XX/
XXXX
XX:XXPM)

Uploaded
quit claim
deed
showing
transfer to
ourborrower
to SFTP

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The
documentation
provided is
sufficient to
clear the
finding.
(Resolved)

           3        1        3        3  

XXXX

      9003463      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        3        3  

XXXX

      9003463      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second AVM
provided did not
support the
origination value
within 10%. (XXXX)		   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

      9003464      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003464      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003464      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003919      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

      9003919      2 of 3      XXXX        XXXX      Credit    DTI —
Exceeds
Guidelines		   XXXX    The income data was
delivered as $XXXX
Documentation for
the borrower reflected
income of $XXXX.
The DTI of XXXX%
exceeds the
guidelines.		   Resolved    Rebuttal 1
(XX/XX/
XXXX
XX:XXAM)

Uploaded
copy of
paystub
used in
income
verification.
Used total
verified
income since
it was less
than total
stated
income.
Total
Verified
Income =
XXXX *
XXXX =
XXXX.
Total Stated
Income =
XXXX.
Borrower_Income_UW
= XXXX.

   Response 1
(XX/XX/
XXXX
XX:XXAM)

The income is
supported.
Documentation
is sufficient.
(Resolved)

           3        1        3        1  

XXXX

      9003919      3 of 3      XXXX        XXXX      Valuation    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

      9003472      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003472      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003472      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003473      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003473      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003473      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003486      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003486      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003486      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003490      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

      9003490      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        3        3  

XXXX

      9003490      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second AVM
provided did not
support the
origination value
within 10%. (XXXX)		   Upheld    Rebuttal 1
(XX/XX/
XXXX
XX:XXPM)

2nd AVM
provided

   Response 1
(XX/XX/
XXXX
XX:XXPM)

The second
AVM provided
did not
support the
origination
value within
10%. (XXXX)

           3        3        3        3  

XXXX

      9003491      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003491      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003491      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003493      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

      9003493      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        3        3  

XXXX

      9003493      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second AVM
provided did not
support the
origination value
within 10%. (XXXX)		   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

      9003494      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003494      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003494      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003500      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003500      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003500      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003503      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003503      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003503      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003504      1 of 3      XXXX        XXXX      Compliance    State
Testing —
Prohibited
Fees		   XXXX    The loan failed the
XXXX prohibited
lender fees test. The
loan failed the
origination and
processing fees test
due to one or more of
the following
findings: The loan is
Home Acquisition
Loan (XXXX Code
§535.8(XXXX)), and
charges a loan
origination or
processing fee, a
broker fee, or both,
which together
exceed XXXX
percent (XXXX%) of
an amount which is
equal to the loan
principal; or XXXX
percent (XXXX%) of
the unpaid balance
that is refinanced by
the same lender
(XXXX Code
§535.8(XXXX)(a)).
This test includes the
following fees:
Origination fee
$XXXX. The loan
fails the prohibited
fees test by $XXXX.
However, per
535.8(XXXX)(b)
does not include
HELOCs in its
definition of a
“Loan”.
Informational Only.		                  1        1        1        1  

XXXX

      9003504      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003504      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003509      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003509      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003509      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003510      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

      9003510      2 of 3      XXXX        XXXX      Credit    DTI —
Exceeds
Guidelines		   XXXX    The income data was
delivered as $XXXX
Documentation for
the borrower reflected
income of $XXXX.
The DTI of XXXX%
exceeds the
guidelines.		   Resolved    Rebuttal 1
(XX/XX/
XXXX
XX:XXAM)

Uploaded
copy of
PointServ
tax return
used in
income
verification.
Used total
stated
income
since it was
less than
total
verified
income.
XXXX
Based
Income
XXXX =
XXXX +
XXXX =
XXXX
(XXXX +
Social
Security
Benefits).
Total
Verified
Income =
XXXX.
Total
Stated
Income =
XXXX.
Borrower_Income_UW
= XXXX.

   Response 1
(XX/XX/
XXXX
XX:XXAM)

The income is
supported.
Documentation
is sufficient.
(Resolved)

           3        1        3        1  

XXXX

      9003510      3 of 3      XXXX        XXXX      Valuation    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

      9003511      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003511      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003511      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003517      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

      9003517      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        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

      9003517      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
within
10%.		                  2        2        2        2  

XXXX

      9003519      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003519      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003519      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003524      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003524      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003524      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003531      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

      9003531      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003531      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9003536      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003536      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003536      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003539      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003539      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003539      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003540      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003540      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003540      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003541      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003541      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003541      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003543      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003543      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003543      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9003544      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003544      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003544      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003551      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

      9003551      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003551      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

      9003553      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003553      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003553      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003555      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003555      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003555      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003560      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003560      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003560      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003566      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

      9003566      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003566      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9003567      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003567      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003567      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003568      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003568      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003568      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003572      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

      9003572      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003572      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9003573      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003573      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003573      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003575      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003575      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003575      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003580      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003580      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003580      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003597      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003597      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003597      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003598      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003598      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003598      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003600      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

      9003600      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003600      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

      9003601      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003601      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003601      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003602      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section of
the
Security
Instrument
(Mortgage/
Deed of
Trust) is
incomplete:
The
Condominium
Rider does
not reflect
the name
of the
condominium
project.		                  3        3        3        3  

XXXX

      9003602      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

 

Loan Number

    Loan ID      Finding #    Last Name      Note Date      Audit Category      Audit Issue     Finding ID       Exception Finding      Remediation Status     Exception Rebuttal    Exception Response   Status Comment      Compensating Factors      Initial Findings Grade      Final Findings Grade      Initial Loan Grade      Final Loan Grade  

XXXX

      9003602      3 of 3      XXXX        XXXX      Valuation    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

      9003603      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003603      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003603      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9003605      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003605      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003605      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9003606      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003606      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003606      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9003609      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003609      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003609      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9003612      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

      9003612      2 of 3      XXXX        XXXX      Credit    DTI —
Exceeds
Guidelines		   XXXX    The income data was
delivered as
$XXXX.
Documentation for
the borrower
reflected income of
$XXXX. The DTI of
XXXX% exceeds the
guidelines.		   Resolved    Rebuttal 1
(XX/XX/
XXXX
XX:XXAM)

Uploaded
copy of
paystubs
used in
income
verification.
Used total
verified
income
since it was
less than
total stated
income.
Paystub =
XXXX *
XXXX =
XXXX.
XXXX
Pension =
XXXX *
XXXX =
XXXX.
Total
Verified
Income =
XXXX +
XXXX =
XXXX.
Total
Stated
Income =
XXXX.
Borrower_Income_UW
= XXXX

   Response 1
(XX/XX/
XXXX
XX:XXAM)

The income is
supported.
Documentation
is sufficient.
(Resolved)

           3        1        3        1  

XXXX

      9003612      3 of 3      XXXX        XXXX      Valuation    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

      9003633      1 of 3      XXXX        XXXX      Compliance    State
Testing —
Prohibited
Fees		   XXXX    The loan failed the
XXXX prohibited
lender fees test. The
loan failed the
origination and
processing fees test
due to one or more of
the following
findings: The loan is
Home Acquisition
Loan (XXXX Code
§535.8(XXXX)), and
charges a loan
origination or
processing fee, a
broker fee, or both,
which together
exceed XXXX
percent (XXXX%)
of an amount which
is equal to the loan
principal; or XXXX
percent (XXXX%)
of the unpaid balance
that is refinanced by
the same lender
(XXXX Code
§535.8(XXXX)(a)).
This test includes the
following fees:
Origination fee
$XXXX. The loan
fails the prohibited
fees test by $XXXX.
However, per
535.8(XXXX)(b)
does not include
HELOCs in its
definition of a
“Loan”.
Informational Only.		                  1        1        1        1  

XXXX

      9003633      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003633      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9003634      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003634      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003634      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within 10%.		                  1        1        1        1  

XXXX

      9003636      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with all
applicable laws and
regulations.		                  1        1        1        1  

XXXX

      9003636      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets all
applicable credit
guidelines.		                  1        1        1        1  

XXXX

      9003636      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9003637      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003637      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003637      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003649      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003649      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003649      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003650      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003650      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003650      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003652      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003652      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003652      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003654      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003654      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003654      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003656      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003656      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003656      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003662      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003662      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003662      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003671      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

      9003671      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003671      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9003673      1 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

      9003673      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        1        1  

XXXX

      9003673      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003682      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

      9003682      2 of 3      XXXX        XXXX      Credit    Income
Variance		   XXXX    The income data
was delivered as
$XXXX. The
loan file reflects
income of
$XXXX, which
is a XXXX%
variance. The
DTI of XXXX%
is within the
guidelines.		                  2        2        3        2  

XXXX

      9003682      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

      9003688      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The following
section of the
Security
Instrument
(Mortgage/Deed
of Trust) is
incomplete: The
Condominium
Rider is missing
the name of
Condominium
Project		                  3        3        3        3  

XXXX

      9003688      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        3        3  

XXXX

      9003688      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. (XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
requested

Rebuttal
2 (XX/
XX/
XXXX
XX:XXAM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The AVM
did not
support
the
origination
value
within a
10%
variance,
the AVM
resulted in
a no hit.
(XXXX)

Response
2 (XX/XX/
XXXX
XX:XXAM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9003696      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003696      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        1        1  

XXXX

      9003696      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003702      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003702      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        1        1  

XXXX

      9003702      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003710      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003710      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        1        1  

XXXX

      9003710      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003715      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003715      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        1        1  

XXXX

      9003715      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003718      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003718      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit guidelines.		                  1        1        1        1  

XXXX

      9003718      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation product
supported the
original appraised
value within
10%.		                  1        1        1        1  

XXXX

      9003719      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance with
all applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003719      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

      9003719      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003720      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

      9003720      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003720      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9003722      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003722      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003722      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003723      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003723      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003723      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003735      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003735      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003735      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003738      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003738      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003738      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003741      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

      9003741      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003741      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9003742      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

      9003742      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003742      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did support
the
origination
value
within
10%.
(Resolved)		   Resolved    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did
support
the
origination
value
within
10%.
(Resolved)

           3        2        3        2  

XXXX

      9003743      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003743      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003743      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9003745      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003745      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003745      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003747      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003747      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003747      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003750      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003750      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003750      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003758      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

      9003758      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003758      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
not
supported
within a
10%
variance		   XXXX    The second
AVM
provided
did not
support the
origination
value
within
10%.
(XXXX)		   Upheld    Rebuttal
1 (XX/
XX/
XXXX
XX:XXPM)

2nd
AVM
provided

   Response
1 (XX/XX/
XXXX
XX:XXPM)

The
second
AVM
provided
did not
support
the
origination
value
within
10%.
(XXXX)

           3        3        3        3  

XXXX

      9003759      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003759      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003759      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003776      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003776      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003776      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003783      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003783      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003783      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003791      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003791      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003791      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003792      1 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

      9003792      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003792      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003796      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003796      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003796      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003797      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003797      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003797      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003798      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003798      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003798      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003804      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

      9003804      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        2  

XXXX

      9003804      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

      9003819      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003819      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003819      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003823      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

      9003823      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003823      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

      9003825      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

      9003825      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003825      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

      9003920      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003920      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

      9003920      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003836      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

      9003836      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        2        2  

XXXX

      9003836      3 of 3      XXXX        XXXX      Valuation    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

      9003838      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9003838      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003838      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003840      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9003840      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003840      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003843      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9003843      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003843      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003847      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9003847      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003847      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                  1        1        1        1  

XXXX

      9003851      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
— Name
Discrepancy		   XXXX    The date of the
Trust listed in
the mortgage
does not match
the date of the
Trust listed in
the Trust
documents.		                  3        3        3        3  

XXXX

      9003851      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003851      3 of 3      XXXX        XXXX      Valuation    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

      9003853      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

      9003853      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003853      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

      9003859      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                  1        1        1        1  

XXXX

      9003859      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003859      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value 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

      9003861      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                    1        1        1        1  

XXXX

      9003861      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003861      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                    1        1        1        1  

XXXX

      9003863      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                    1        1        1        1  

XXXX

      9003863      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003863      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                    1        1        1        1  

XXXX

      9003865      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                    1        1        1        1  

XXXX

      9003865      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003865      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                    1        1        1        1  

XXXX

      9003868      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                    1        1        1        1  

XXXX

      9003868      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003868      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                    1        1        1        1  

XXXX

      9003870      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                    1        1        1        1  

XXXX

      9003870      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003870      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                    1        1        1        1  

XXXX

      9003872      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Signature
Discrepancy		   XXXX    The subject
mortgage was
executed by two
managing
members/
authorized
signors;
however, only
one member
(borrower) was
included in the
LLC
documentation
as an authorized
member.		                    3        3        3        3  

XXXX

      9003872      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        3        3  

XXXX

      9003872      3 of 3      XXXX        XXXX      Valuation    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

      9003875      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is in
compliance
with all
applicable laws
and regulations.		                    1        1        1        1  

XXXX

      9003875      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003875      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The secondary
valuation
product
supported the
original
appraised value
within 10%.		                    1        1        1        1  

XXXX

      9003876      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

      9003876      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan meets
all applicable
credit
guidelines.		                    1        1        2        2  

XXXX

      9003876      3 of 3      XXXX        XXXX      Valuation    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

      9003879      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        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

      9003879      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003879      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

      9003880      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003880      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003880      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003883      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
—
Incomplete		   XXXX    The
following
section of
the
Security
Instrument
(Mortgage/
Deed of
Trust) is
incomplete:
The
attached
referenced
XXXX is
missing the
XXXX
name.		                  3        3        3        3  

XXXX

      9003883      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003883      3 of 3      XXXX        XXXX      Valuation    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

      9003887      1 of 3      XXXX        XXXX      Compliance    Security
Instrument
— Missing
Signature		   XXXX    The
Security
Instrument
was not
fully
executed
by all
required
parties.
The deed
dated XX/
XX/XXXX
indicates
the
borrower is
married;
however
the
signature
of the
spouse is
missing. A
transfer
deed was
not found
in the loan
file.		                  3        3        3        3  

XXXX

      9003887      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003887      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

      9003892      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

      9003892      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003892      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

      9003893      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003893      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003893      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003894      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003894      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        1        1  

XXXX

      9003894      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                  1        1        1        1  

XXXX

      9003896      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

      9003896      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                  1        1        3        3  

XXXX

      9003896      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

      9003898      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                  1        1        1        1  

XXXX

      9003898      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

      9003898      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003900      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003900      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003900      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003901      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003901      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003901      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1  

XXXX

      9003904      1 of 3      XXXX        XXXX      Compliance    No
Compliance
Findings		   XXXX    The loan is
in
compliance
with all
applicable
laws and
regulations.		                    1        1        1        1  

XXXX

      9003904      2 of 3      XXXX        XXXX      Credit    No Credit
Finding		   XXXX    The loan
meets all
applicable
credit
guidelines.		                    1        1        1        1  

XXXX

      9003904      3 of 3      XXXX        XXXX      Valuation    Appraisal
— Value is
supported
within 10%
of original
appraisal
amount		   XXXX    The
secondary
valuation
product
supported
the original
appraised
value
within
10%.		                    1        1        1        1