Exhibit 99.11
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Closed | BPO provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Open | BPO provided. | BPO provided and does not support original value. (Upheld) | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Closed | BPO provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | Operating Agreement — Accommodation Rider is not signed | Per guidelines an Accommodation Rider is required and was not in file. | Cleared | The HELOC agreement was signed by our borrwoer XXXXXX, while the security instrument was signed by XXXXX as Managing Member / Authorized Signatory of XXXXXXXXXXXX per the transfer deed included in loan file. XXXXX is a 100% member of the LLC per the operating agreement. Per our legal team, since XXXXXX is 100% sole member of the LLC he has full authority to bind XXXXXXX and Section 10 of the mortgage contains an integrated non-borrower/hypothecation clause, rendering a standalone Accommodation Rider legally redundant. Based on that the separate Accomodation Rider should not be required here, but we will separately get this signed by borrower and send once complete so we have it available as well. | Finding resolved | Resolved | 3 | 1 | 3 | 1 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Open | BPO provided. | BPO provided and does not support original value. (Upheld) | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Closed | BPO provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Closed | BPO provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Haircut applied per guidelines. | Cleared | 2 | 2 | 2 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Closed | BPO provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Open | BPO provided. | BPO provided and does not support original value. (Upheld) | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Closed | BPO provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Closed | BPO provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Closed | BPO provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Haircut applied per Guidelines. | Cleared | 2 | 2 | 2 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | Operating Agreement — Accommodation Rider is not signed | Per guidelines an Accommodation Rider is required and was not in file. | Cleared | The HELOC agreement was signed by our borrwoer XXXXXX, while the security instrument was signed by XXXXXX as Managing Member / Authorized Signatory of XXXXXXX. Property is owned by XXXXXX per the private selling officer’s deed included in loan file. XXXXX is a 100% member of the LLC per the operating agreement. Per our legal team, since XXXXX is 100% sole member of the LLC she has full authority to bind XXXXXX and Section 10 of the mortgage contains an integrated non-borrower/hypothecation clause, rendering a standalone Accommodation Rider legally redundant. Based on that the separate Accomodation Rider should not be required here, but we will separately get this signed by borrower and send once complete so we have it available as well. | Finding resolved | Resolved | 3 | 1 | 3 | 1 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Closed | BPO provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Closed | BPO provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | The secondary valuation product did not support the original appraised value within XX%. BPO Ordered | Open | BPO provided. | BPO provided and does not support original value. (Upheld) | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. Per guidelines lower valued AVM used. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | TILA/TRID — TILA Right of Rescission Test. | Subject loan closed on X/XX/XXXX. X/XX/XXXX was a holiday on a Saturday and would not count towards the ROR X days therefore the subject loan could not fund until Thursday X/XX/XXXX but funded X/XX/XXXX which is before its allowed. | Open | Agreed. Our deed was signed on X/XX/XXXX and signed RTC was provided with rescission period ending X/XX/XXXX, which is incorrect. Rescission period should have ended X/XX/XXXX with loan then funding on X/XX/XXXX, but instead the loan funded on X/XX/XXXX due to incorrect rescission end date on initial RTC. We sent to our compliance team to remediate who will re-open the rescission period and provide borrower a new RTC. We will provide to clear this finding post-close and will leave in the deal. | Finding Upheld | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Open | BPO Provided. | BPO provided and does not support original AVM Value. | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Closed | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | DTI | (Open) DTI — Guidelines require lower of stated income or calculated income to be used. Stated income was lower at $150,000 but client used higher income of $167,522.22. Using lower income calculates DTI at 56.07% and over the 50% allowed. | Cleared | Uploaded copies of tax return used in income verification. Used total stated income since was less than total verified income. The stated income of 150,000.00 from application does not include stated asset depletion based on stated account balances. The total stated income is 169,527.00 when included asset depletion. | Income documents provided and support income used. Resolved | Resolved | 3 | 1 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Open | Post Close Secondary AVM does not support orginal AVM within -10%. BPO to be ordered, | BPO provided and does not support original AVM Value. | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Open | BPO Provided. | BPO provided and does not support original AVM Value. | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Open | BPO Provided. | BPO provided and does not support original AVM Value. | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Open | BPO Provided. | BPO provided and does not support original AVM Value. | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Closed | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Closed | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Open | BPO Provided. | BPO provided and does not support original AVM Value. | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Closed) Appraisal — Value is not supported within XX% of original appraisal amount-
Secondary AVM did not support original AVM. BPO ordered. |
Closed | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal - Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Closed | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal - Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. | Closed | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal - Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. | Open | Unable to order BPO in WV. | Unable to order BPO in WV. | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal - Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Closed | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | CLTV | (Open) CLTV - Liens Breakdown reflects two liens totaling $XXXXXXX. Funds applies on application do not cover first lien of $XXXXXX therefore no way to tell if was paid off therefore CLTV is higher than allowed. | Cleared | Liens_Breakdown included in loan file shows that we used path 1 in our lien matching process that identified 2 senior liens on the property with current balance of XXXXXX.XX and XXXXX.XX respectively per CoreLogic. The 1st lien with balance of XXXXXX.XX was another FIgure loan (XXXXXXX) that was paid off as part of this new Figure loan, which puts our lien in Xnd lien position as shown on the data extract. Uploaded copies of the PIF notice and lien release for reference. | Finding resolved | Resolved | 3 | 1 | 3 | 1 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal - Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. | Open | BPO Provided. | BPO provided and does not support original AVM Value. | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal - Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. | Closed | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal - Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. | Closed | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal - Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. | Closed | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal - Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. | Open | BPO Provided. | BPO provided and does not support original AVM Value. | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | Incorrect Address on Document | BPO reflects address with house number of XXX as well as a few docs reflect the same. Application, tape and other docs reflect house number as XXX. Please provide reason for the differing addresses. | Cleared | Property address on application is XXXXXXXXXX which matches the property address shown on the HELOC agreement, security instrument, and legal description. The BPO in loan file shows addrss as XXXXXXXXX but this is the same subject property. The APN on the BPO XXXXXXXX matches the APN on our legal description so is the same property in question. | Finding resolved | Resolved | 3 | 1 | 3 | 1 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 3 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal - Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. | Closed | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal - Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. | Open | BPO Provided. | BPO provided and does not support original AVM Value. | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal - Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. | Closed | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Cleared) Appraisal - Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. | Closed | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Cleared | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Cleared | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Open | BPO Provided. | BPO provided and does not support the original AVM Value. | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Clear) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Cleared | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Open | XXX provided. | XXX provided and does not support the original AVM Value. | 3 | 3 | 3 | 3 | ||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 3 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Open | BPO Provided. | BPO provided and does not support the original AVM Value. | Upheld | 3 | 3 | 3 | 3 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Cleared | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 |
| Loan No |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | ||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Cleared | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 | |||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | No Valuation Finding | The secondary valuation product supported the original appraised value within XX%. | Cleared | 1 | 1 | 1 | 1 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 1 of 3 | XXXXXX | XXXX-XX-XX | Credit | No Credit Finding | The loan meets all applicable credit guidelines. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 2 of 3 | XXXXXX | XXXX-XX-XX | Compliance | No Compliance Finding | The loan is in compliance with all applicable laws and regulations. | Cleared | 1 | 1 | 3 | 2 | ||||||||||||||||||||
| XXXXXXXXXXXXXXXX |
XXXXXXXXXXX | 3 of 3 | XXXXXX | XXXX-XX-XX | Valuation | AVM Report | (Open) Appraisal — Value is not supported within XX% of original appraisal amount- Secondary AVM did not support original AVM. BPO ordered. |
Cleared | BPO Provided. | BPO provided and supports original AVM Value. | Resolved | 3 | 2 | 3 | 2 |