SALUDA GRADE MORTGAGE FUNDING LLC ABS-15G
Exhibit 99.3 - Schedule 3
| Loan Number | Loan ID | Finding # | Last Name | Note Date | Audit Category | Audit Issue | Finding ID | Exception Finding | Remediation Status | Responsible Party | Exception Rebuttal | Exception Response | Status Comment | Compensating Factors | Initial Findings Grade | Final Findings Grade | Initial Loan Grade | Final Loan Grade |
| XXXX | 1000005772 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000005772 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000029517 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000029517 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053264 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053264 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053381 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053381 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053260 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053260 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053286 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053286 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053425 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053425 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053269 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053269 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053451 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Grace Period Test | XXXX | This loan failed the grace period test. The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a minimum XXXX day grace period, the loan has a XXXX day grace period. The loan fails the grace period test by XXXX days. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053451 | 2 of 3 | XXXX | XXXX | Compliance | State Testing - Late Fees Test | XXXX | This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% late fee, the loan has a XXXX% late fee. The loan fails the late fees test by XXXX%. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053451 | 3 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053315 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053315 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053311 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053311 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053610 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053610 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053480 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053480 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053532 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053532 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053569 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053569 | 2 of 2 | XXXX | XXXX | Credit | FEMA | XXXX | FEMA Declaration declared XX/XX/XXXX for XXXX (XX-XXXX-XXXX) with an incident period of XX/XX/XXXX-XX/XX/XXXX which is after the original appraisal date XX/XX/XXXX. Please provide Property Inspection to confirm no damage. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) pdi |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053420 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053420 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053332 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053332 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053631 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053631 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053621 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053621 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053339 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053339 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053636 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053636 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053371 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053371 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053399 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053399 | 2 of 2 | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The subject HOA fee was not documented. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) HOA |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053445 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053445 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053653 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053653 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053488 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053488 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053383 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053383 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053401 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053401 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053441 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053441 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053597 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053597 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053403 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053403 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053536 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053536 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053558 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053558 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053635 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053635 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053584 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Grace Period Test | XXXX | This loan failed the grace period test. The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a minimum XXXX day grace period, the loan has a XXXX day grace period. The loan fails the grace period test by XXXX days. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053584 | 2 of 3 | XXXX | XXXX | Compliance | State Testing - Late Fees Test | XXXX | This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% late fee, the loan has a XXXX% late fee. The loan fails the late fees test by XXXX%. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053584 | 3 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053617 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053617 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053572 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053572 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053583 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053583 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053652 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053652 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066473 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066473 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066540 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000066540 | 2 of 2 | XXXX | XXXX | Credit | Expired Documents @ Closing | XXXX | Guidelines require credit documents to be dated within XXXX days of the note date. The loan closed XX/XX/XXXX. The most recent paystub provided is dated XX/XX/XXXX which is greater than XXXX days from the note date. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Paystubs uploaded |
Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000066474 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066474 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066524 | 1 of 2 | XXXX | XXXX | Compliance | State Rules Violation | XXXX | This loan failed the discount fee test. The loan charges a discount fee that exceeds XXXX% of the principle amount of the loan. ( XXXX. §XXXX:11C-XXXX, XXXX. §§XXXX:XXXX-XXXX ) | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) Only $XXXX in discount fees charged. This is less than XXXX% of total loan amount. Origination fee used in discount fee calculation as per compliance docs. Only the discount points shuld be used to test discount point fee test. Rebuttal 2 (XX/XX/XXXX XX:XXPM) The origination fee is not paid to a broker. This should not be included in the discount point fee test. Rebuttal 3 (XX/XX/XXXX XX:XXPM) The origination fee is not paid to reduce rate, it is not part of the discount point fee and should not be included in testing. |
Response 1 (XX/XX/XXXX XX:XXPM) The information provided is not sufficient to clear the finding. Per XXXX §XXXX:11C-XXXX, A licensee acting as a residential mortgage lender shall not contract for, charge, receive or collect directly or indirectly, any of the following in connection with a secondary mortgage loan: a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act. Loan origination fee is not expressly permitted by the act. The regulation goes further to loosely define discount point "XXXX percent of the principal amount of the loan". Thereby including loan origination fee as a prohibited fee entirely or thus included in with the discount point total. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The information provided is not sufficient to clear the finding. The issue cited is not suggesting the fee is paid to a Broker. Per XXXX §XXXX:11C-XXXX, a residential mortgage lender is limited to charging XXXX percent of the loan amount in points. XXXX is included in this definition. The lender was limited to charging $XXXX on this loan but charged $XXXX. The borrower was charged $XXXX more than is allowed per the state statute. (XXXX) Response 3 (XX/XX/XXXX XX:XXPM) Per XXXX. §XXXX:11C-XXXX, lender shall not charge "commission" as well as other fees not expressly authorized by the act. XXXX is considered a commission to the lender and according to this regulation is included in the XXXX% limit. Grade upgraded to EV2. |
3 | 2 | 3 | 2 | ||
| XXXX | 1000066524 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000066574 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066574 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066510 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066510 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000152287 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000152287 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000153148 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000153148 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000153275 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000153275 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000153139 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000153139 | 2 of 2 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX, which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000174969 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000174969 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000175602 | 1 of 4 | XXXX | XXXX | Compliance | Missing Mortgage | XXXX | The Mortgage was missing from the file. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please XXXX |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
4 | 1 | 3 | 1 | ||
| XXXX | 1000175602 | 2 of 4 | XXXX | XXXX | Compliance | Missing Note | XXXX | The Note was missing from the file. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review note |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
4 | 1 | 3 | 1 | ||
| XXXX | 1000175602 | 3 of 4 | XXXX | XXXX | Compliance | ROR - Missing | XXXX | There is no evidence in the file that the Right to Cancel Notice was provided to the borrower and/or all consumers with a right to rescind. Truth in XXXX (Regulation Z)12 CFR 1026.23(b), (a)(1) | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review rtc |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000175602 | 4 of 4 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000186861 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000186861 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221480 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221480 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221480 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221588 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221588 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221588 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221616 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221616 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221616 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000220122 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Missing Signature | XXXX | The Security Instrument was not fully executed by all required parties. The co-signor, XXXX, was listed on page XXXX of the Security Instrument; however the signature was missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please review page one |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000220122 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000220122 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221578 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221578 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221578 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221617 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221617 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221617 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221528 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221528 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see satisfaction of mortgage Rebuttal 2 (XX/XX/XXXX XX:XXAM) Please review that 3rd party deposits money into XXXX;s account and which gets transferred into BO checking account that pays mtg Rebuttal 3 (XX/XX/XXXX XX:XXPM) Adding mortgage payment of $XXXX. Updated DTI is XXXX%. |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation does not address the issue. There is a senior XXXX with an original balance of $XXXX dated XX/XX/XXXX. Provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. (XXXX) Response 2 (XX/XX/XXXX XX:XXAM) Satisfaction funds must be sourced. If refinanced, then new payment must be provided. (XXXX) Response 3 (XX/XX/XXXX XX:XXPM) Including the mortgage payment yields DTI of XXXX%. XXXX and DTI updated. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000221528 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233293 | 1 of 3 | XXXX | XXXX | Compliance | Compliance Finding - Other | XXXX | There are additional XXXX. There is a Statement of Credit Denial in the loan file. The letter states that the lender is withdrawing the credit application for the subject loan. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please review lox |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233293 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233293 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221487 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221487 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221487 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221609 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221609 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221609 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221465 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221465 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221465 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221520 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221520 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221520 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221636 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221636 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221636 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221504 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221504 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221504 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221447 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221447 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see statement paid by other |
Response 1 (XX/XX/XXXX XX:XXPM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000221447 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221613 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221613 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221613 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221572 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Non-Borrowing Spouse/Missing | XXXX | The Security Instrument was not executed by the non-borrower listed on page XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please review both docs |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000221572 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221572 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221535 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Missing notary acknowledgment for non borrower. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please review notary initials |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000221535 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221535 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221645 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221645 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000221645 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221614 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221614 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221614 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221626 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221626 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221626 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221659 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221659 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221659 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221459 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221459 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221459 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221474 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221474 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221474 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221514 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221514 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221514 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221649 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221649 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221649 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221472 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221472 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221472 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221621 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221621 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221621 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221573 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221573 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221573 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221461 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221461 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221461 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221576 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221576 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please see cra and rental income |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000221576 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221601 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221601 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000221601 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221497 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221497 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221497 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221527 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221527 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221527 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221522 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221522 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221522 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221624 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221624 | 2 of 3 | XXXX | XXXX | Credit | Program Parameters - Lien Position | XXXX | The data was delivered indicating the subject loan is a second lien with a senior XXXX balance of $XXXX; however, documents in the loan file reflect the XXXX position is a first. Title does not reflect the senior XXXX. A mortgage statement for the senior XXXX was not provided. Please confirm the XXXX position and provide a letter of explanation and corrected data tape, if applicable. Subject to compliance re-testing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please see LOX. emailed data tape to XXXX. |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000221624 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221638 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000221638 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX variance. The DTI of XXXX% is within the guidelines. The loan beam is missing. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000221638 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000221606 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221606 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra and paystubs |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000221606 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221602 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221602 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221602 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000220238 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) are incomplete: The document is incomplete due to the absence of the co-borrower’s signature on page XXXX and the co-borrower’s notary acknowledgment on page XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please review doc |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000220238 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000220238 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221485 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221485 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221485 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221597 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221597 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221597 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221562 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221562 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221562 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221563 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221563 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221563 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221516 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221516 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221516 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221541 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221541 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221541 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221450 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221450 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX variance. The DTI of XXXX% is within the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
2 | 1 | 3 | 3 | ||
| XXXX | 1000221450 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221518 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221518 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221518 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221525 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221525 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221525 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221482 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument Deed of Trust is incomplete: The co-borrower signed the deed of trust; however, the signature was not notarized as required. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see notary initials |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000221482 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221482 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221646 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221646 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221646 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221647 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221647 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221647 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221477 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221477 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221477 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221463 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221463 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221463 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221615 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221615 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221615 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221481 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221481 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221481 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221530 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221530 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221530 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221619 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221619 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221619 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221605 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221605 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221605 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221554 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221554 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221554 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221668 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221668 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221668 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221553 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221553 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221553 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221664 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221664 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221664 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221670 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221670 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221670 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221462 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221462 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221462 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221591 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221591 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221591 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221594 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221594 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221594 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221568 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221568 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221568 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221523 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221523 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221523 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221476 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221476 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221476 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221460 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221460 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221460 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221547 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221547 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221547 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221505 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221505 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221505 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221540 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221540 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221540 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221445 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221445 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221445 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221608 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221608 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221608 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221517 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221517 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221517 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221633 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221633 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221633 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221558 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221558 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221558 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221652 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221652 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221652 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221603 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221603 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221603 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221500 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221500 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221500 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221669 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221669 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221669 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221610 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Missing notary acknowledgment for non borrower. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see notary initials |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000221610 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221610 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221607 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221607 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221607 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221515 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221515 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221515 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221546 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221546 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221546 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221484 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221484 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221484 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221529 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221529 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221529 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221592 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221592 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221592 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221507 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221507 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see statement under npe name |
Response 1 (XX/XX/XXXX XX:XXPM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000221507 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221471 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221471 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000221471 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221577 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221577 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see statement with npe name |
Response 1 (XX/XX/XXXX XX:XXPM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000221577 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000222515 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000222515 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000222515 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221593 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221593 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221593 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221622 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221622 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221622 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221539 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221539 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221539 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221569 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221569 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221569 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221667 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221667 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221667 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221642 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221642 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221642 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221478 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221478 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221478 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221534 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221534 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221534 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221656 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221656 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 3 | 3 | |||||
| XXXX | 1000221656 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221586 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221586 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221586 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221600 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221600 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see statement with npe name |
Response 1 (XX/XX/XXXX XX:XXPM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000221600 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000224711 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000224711 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000224711 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221662 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221662 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221662 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221596 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221596 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221596 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221651 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221651 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221651 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221632 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221632 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221632 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221595 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221595 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221595 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000223677 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000223677 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000223677 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221663 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221663 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221663 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221672 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221672 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221672 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226671 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226671 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226671 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226600 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226600 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226600 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221582 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221582 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221582 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226564 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226564 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226564 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221655 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221655 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221655 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226591 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226591 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226591 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226717 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226717 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226717 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226569 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226569 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226569 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226683 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The security instrument and rider was executed on XX/XX/XXXX and reflects an “under agreement” date of XX/XX/XXXX on the signature line; however, the XXXX lists a different “under agreement” date of XX/XX/XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) is this QCD sufficient to clear this? Rebuttal 2 (XX/XX/XXXX XX:XXAM) will this work from the borrower? |
Response 1 (XX/XX/XXXX XX:XXPM) Thedocumentation provided is not sufficient to cure the finding. Please provide an updated Certification of Trust with the correct agreement date or update the Mortgage and other Closing Documents to reflect the agreement date as disclosed on the current Certification of Trust. Response 2 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000226683 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226683 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226639 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226639 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000226639 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226652 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000226652 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please see mtg statement paid by npe |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000226652 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000226714 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226714 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226714 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226666 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226666 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226666 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226562 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226562 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226562 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226656 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226656 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 3 | 3 | |||||
| XXXX | 1000226656 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232395 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232395 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232395 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226689 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226689 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226689 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226695 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226695 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226695 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226630 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226630 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226630 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226593 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226593 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226593 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226686 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226686 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226686 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226706 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226706 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226706 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226572 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226572 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226572 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226601 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226601 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226601 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226709 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226709 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226709 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226576 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226576 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226576 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226629 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226629 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226629 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226638 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226638 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226638 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226647 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226647 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226647 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226707 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000226707 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000226707 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000226566 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226566 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226566 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226627 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226627 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226627 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226588 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226588 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226588 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226607 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226607 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226607 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226650 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226650 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226650 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226701 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226701 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226701 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226592 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226592 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226592 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226636 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226636 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226636 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226613 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226613 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226613 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226691 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226691 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226691 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226580 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226580 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000226580 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226643 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226643 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226643 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226659 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226659 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226659 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226688 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226688 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226688 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226693 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226693 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226693 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226550 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226550 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226550 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226651 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226651 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226651 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226680 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226680 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226680 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226615 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226615 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000226615 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226549 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226549 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226549 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226700 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226700 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226700 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226632 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226632 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226632 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226570 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226570 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226570 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226678 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226678 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226678 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226696 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226696 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226696 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226589 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226589 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226589 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226668 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226668 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226668 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000231985 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231985 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231985 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226705 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226705 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226705 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226559 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226559 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226559 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226658 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226658 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226658 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226586 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226586 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226586 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226575 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226575 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226575 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226637 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226637 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226637 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226697 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226697 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226697 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226623 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226623 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226623 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226619 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226619 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226619 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226665 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226665 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226665 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226578 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226578 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226578 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226676 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226676 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226676 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232391 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232391 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. The loan beam is missing. | Client | 2 | 2 | 3 | 3 | |||||
| XXXX | 1000232391 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXPM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226614 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226614 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226614 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226633 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226633 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226633 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226682 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226682 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000226682 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226617 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226617 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226617 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226645 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226645 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226645 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226644 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The borrower's name on the Security Instrument is inconsistent with the XXXX. The Title reflects the owner of record as a XXXX" however the security Instrument reflects the borrower as XXXX. The file does not contain a name affidavit or state issued XXXX to establish that these names represent the same individual. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Could you please re-review page one of the mortgage document? The vest shows XXXX who acquired title as XXXX. Rebuttal 2 (XX/XX/XXXX XX:XXAM) please review name affiidavit |
Response 1 (XX/XX/XXXX XX:XXPM) The prior mortgage and the current vesting on title list the borrower as XXXX However, we do not have supporting documentation, nor does the state-issued XXXX indicate that the borrower XXXX is the same individual as XXXX (Upheld) Response 2 (XX/XX/XXXX XX:XXPM) The documents provided are sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000226644 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000226644 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000226548 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000226548 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000226548 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000226553 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226553 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226553 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226640 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226640 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226640 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226624 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226624 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226624 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226667 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226667 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226667 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226712 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226712 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226712 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232358 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232358 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232358 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226571 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226571 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226571 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226628 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226628 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226628 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232037 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232037 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232037 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226692 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226692 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226692 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226544 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226544 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226544 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226642 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226642 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226642 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226616 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226616 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226616 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226648 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226648 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226648 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226621 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226621 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226621 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226646 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226646 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226646 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226609 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226609 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226609 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226719 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Trust Not Executed | XXXX | Title to the Property is held in a Trust, but the Trust Document is not properly executed. Unable to determine if signatures on the Security Instrument are accurate. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see trust |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000226719 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226719 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226698 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226698 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226698 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232343 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232343 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232343 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226599 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226599 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 3 | 2 | |||||
| XXXX | 1000226599 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226654 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226654 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226654 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226664 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226664 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226664 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231954 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000231954 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000231954 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000226684 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226684 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226684 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226690 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226690 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226690 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226718 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226718 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226718 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226669 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226669 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226669 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232014 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232014 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232014 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232412 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The name of the co-borrower is missing under the notary acknowledgment section on page XXXX of the Security Instrument. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) XXXX is still the POA for XXXX. She was the only signor there. please review |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000232412 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232412 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232551 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232551 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232551 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231910 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000231910 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX,XXXX. The loan file is missing income documents for the borrower. The loan file contains a Plaid; however it did not indicate any income. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000231910 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000228244 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000228244 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000228244 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232256 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232256 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232256 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226681 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226681 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226681 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000231934 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231934 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231934 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231904 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231904 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231904 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233805 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233805 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233805 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232282 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232282 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232282 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231981 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231981 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231981 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232304 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232304 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see statement under npe name |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000232304 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232356 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232356 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232356 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232050 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232050 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232050 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233194 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233194 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233194 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233245 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233245 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233245 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233334 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233334 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233334 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231995 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231995 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231995 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232022 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000232022 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000232022 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000233247 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233247 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233247 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231929 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231929 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231929 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232321 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232321 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232321 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232054 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232054 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232054 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231903 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231903 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231903 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232375 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232375 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000232375 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231919 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231919 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231919 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232327 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232327 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232327 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232348 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232348 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232348 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232328 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232328 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see mtg statement paid by npe |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000232328 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231905 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231905 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231905 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232056 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232056 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232056 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232353 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232353 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232353 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231966 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231966 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231966 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232396 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232396 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232396 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233333 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233333 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233333 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232400 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232400 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232400 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233734 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233734 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) XXXX has confirmed that business was transitioned from XXXX-C to XXXX in the year XXXX and reflected income on XXXX and XXXX for the year XXXX. The borrower&#XXXX;s Income considered based on XXXX year average for XXXX and XXXX. The worksheet shows XXXX and XXXX incorrectly which cannot be changed due to fields being locked. |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233734 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232011 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232011 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232011 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232296 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232296 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232296 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233744 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233744 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233744 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232059 | 1 of 4 | XXXX | XXXX | Compliance | Note - Address Discrepancy | XXXX | The property address on the Note is inconsistent with the Title Report provided in the loan file. The Note identifies the address as XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000232059 | 2 of 4 | XXXX | XXXX | Compliance | Security Instrument - Property Address Discrepancy | XXXX | The property address on the XXXX is inconsistent with the Title Report provided in the loan file. The XXXX identifies the address as XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000232059 | 3 of 4 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232059 | 4 of 4 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000231947 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231947 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231947 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232036 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232036 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232036 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231920 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231920 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231920 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231972 | 1 of 3 | XXXX | XXXX | Compliance | Compliance Finding - Other | XXXX | There is a statement of credit denial in the loan file. The letter states that the lender is withdrawing the credit application for the subject loan. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please see XXXX. I have escalated this again to management. |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000231972 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231972 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231951 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231951 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231951 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232415 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232415 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232415 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000231923 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231923 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231923 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234629 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234629 | 2 of 3 | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The loan file contains an unrecorded subordination agreement from XXXX. XXXX has an equity sharing agreement built into their mortgage. Any impact the equity sharing agreement could have on the subject XXXX is unknown. Investor to accept the subordinated lien. | Waived | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see recorded doc Rebuttal 2 (XX/XX/XXXX XX:XXAM) Please see investor approved exception. |
Response 1 (XX/XX/XXXX XX:XXAM) Subordination agreement received. No note or payment provided as XXXX is an equity sharing agreement. XXXX is not included in CLTV or debts. Investor to accept the subordinated lien. Please provide client waiver. (XXXX) Response 2 (XX/XX/XXXX XX:XXAM) Client approved exception. (Waived) |
XXXX credit score, occupied property since XXXX, XXXX accounts in good standing | 3 | 2 | 3 | 2 | |
| XXXX | 1000234629 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233217 | 1 of 3 | XXXX | XXXX | Compliance | Note - Trust Missing | XXXX | Title to the Property is held in Trust, but the Trust Document is missing. Unable to determine if signatures on Note are accurate. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please review |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233217 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233217 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000231976 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231976 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231976 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232310 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232310 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232310 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231959 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231959 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231959 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233216 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233216 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233216 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000231936 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231936 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231936 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232399 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232399 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232399 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233269 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is inaccurate: Page XXXX of the Mortgage is incorrect because the notary did not include the Borrower’s full name in the notary acknowledgment. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review notary aff |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233269 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233269 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000231907 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231907 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231907 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233235 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233235 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233235 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232306 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232306 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232306 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233318 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233318 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233318 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232408 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232408 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232408 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232290 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232290 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232290 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231973 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231973 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231973 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233259 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233259 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233259 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232007 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232007 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232007 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232301 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232301 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232301 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233253 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233253 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233253 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232026 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232026 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232026 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232020 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232020 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232020 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233231 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233231 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233231 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232379 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232379 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see statement with npe name |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000232379 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233803 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233803 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233803 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232382 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232382 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232382 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232347 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232347 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232347 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232012 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232012 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232012 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232402 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232402 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232402 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233280 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233280 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) Please see cra for b2 and paystubs from b1. The XXXX and BAH income considered from two paystubs and grossed up XXXX%. |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000233280 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232044 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232044 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232044 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231924 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary Acknowledgment was incomplete, the 'located in' was not disclosed. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see notary initials |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000231924 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000231924 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000231899 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231899 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231899 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000231912 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231912 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231912 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235600 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235600 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235600 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232326 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232326 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232326 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232021 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232021 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232021 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232049 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000232049 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000232049 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000232383 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232383 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232383 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231911 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231911 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231911 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232338 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232338 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232338 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232403 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232403 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232403 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233303 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233303 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233303 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231931 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231931 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231931 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231921 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231921 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231921 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233285 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233285 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233285 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233749 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233749 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233749 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232318 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232318 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232318 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231913 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231913 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231913 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234542 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000234542 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 Rebuttal 2 (XX/XX/XXXX XX:XXPM) was the income from b1 included? |
Response 1 (XX/XX/XXXX XX:XXAM) Income on CRA for B2 has already been considered in income calculation. (XXXX) Response 2 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000234542 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000231953 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231953 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231953 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233211 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233211 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233211 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232372 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232372 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232372 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233207 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233207 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233207 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232300 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232300 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232300 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232413 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232413 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232413 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231946 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231946 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000231946 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232401 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232401 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232401 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231986 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231986 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231986 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231967 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231967 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b1 |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000231967 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233203 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233203 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see statement paid by other |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233203 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232287 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232287 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232287 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231983 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231983 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231983 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000231989 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231989 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231989 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232055 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232055 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232055 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231996 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231996 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231996 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232406 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232406 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000232406 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000231961 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231961 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231961 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232388 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232388 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232388 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233196 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233196 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233196 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233205 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233205 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233205 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232355 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232355 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232355 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233308 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000233308 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000233308 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000231991 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231991 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231991 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232000 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232000 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232000 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234664 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234664 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234664 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232030 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232030 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232030 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232363 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232363 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232363 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231982 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231982 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231982 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231950 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231950 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231950 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232385 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232385 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232385 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232010 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232010 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232010 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232043 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232043 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232043 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233274 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233274 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233274 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233202 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233202 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233202 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231932 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231932 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231932 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232057 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232057 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232057 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233193 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233193 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra for b1 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233193 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000231955 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231955 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231955 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232291 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232291 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232291 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231927 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231927 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231927 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232377 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232377 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232377 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232313 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232313 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232313 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232305 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232305 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232305 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233255 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233255 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233255 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233273 | 1 of 3 | XXXX | XXXX | Compliance | ROR - Timing | XXXX | ROR - Timing. This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date, XX/XX/XXXX, is before the third business day following the consummation date, XX/XX/XXXX. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §XXXX or §XXXX, or delivery of all material disclosures, whichever occurs last. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review Rebuttal 2 (XX/XX/XXXX XX:XXPM) Recission period ended; can you please review? |
Response 1 (XX/XX/XXXX XX:XXPM) Rescission docs received. Cannot resolve until rescission period expires. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The re-opened rescission expired at midnight on XX/XX/XXXX clearing the exception. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233273 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233273 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232040 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232040 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232040 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232317 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232317 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232317 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232297 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232297 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232297 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233230 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233230 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233230 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233219 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000233219 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000233219 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000232362 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232362 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232362 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233766 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233766 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233766 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232357 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232357 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232357 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233272 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233272 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233272 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231978 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231978 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231978 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233324 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233324 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see mtg statement |
Response 1 (XX/XX/XXXX XX:XXPM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233324 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232028 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232028 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232028 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233770 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233770 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233770 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234609 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234609 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234609 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233242 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233242 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233242 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232325 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232325 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232325 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231999 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231999 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231999 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232013 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232013 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232013 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000231975 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231975 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231975 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231960 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231960 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231960 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231979 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231979 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231979 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232389 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232389 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232389 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233853 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233853 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233853 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233296 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233296 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233296 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233229 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233229 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233229 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231970 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231970 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231970 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232405 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232405 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232405 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232002 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232002 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232002 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232410 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232410 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see income for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 3 | |||
| XXXX | 1000232410 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234568 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234568 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234568 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232323 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The acknowledgment section reflects the name of the borrower rather than the identification that was produced of the individual who personally appeared before them at execution. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review notary initials |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000232323 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232323 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232349 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232349 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232349 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232058 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232058 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232058 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232333 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232333 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232333 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232017 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232017 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232017 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236632 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236632 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please see SSI grossed by XXXX% and XXXX% for B1 & cra for both borrowers |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000236632 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232320 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232320 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232320 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233248 | 1 of 3 | XXXX | XXXX | Compliance | Note - Missing Signature | XXXX | The Note was not fully executed by the borrower. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please review |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233248 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233248 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232369 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232369 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232369 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232337 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232337 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232337 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232284 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232284 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232284 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234631 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234631 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234631 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233328 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233328 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233328 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233307 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233307 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233307 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232384 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232384 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232384 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232311 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232311 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232311 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233233 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233233 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233233 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232386 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232386 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232386 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234615 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234615 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234615 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232390 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232390 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232390 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233312 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233312 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233312 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233213 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233213 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see statement under npe name |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233213 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233190 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233190 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233190 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235627 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235627 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235627 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233195 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233195 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233195 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233226 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233226 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233226 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232350 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The acknowledgmentsection reflects the name of the notary rather than the name of the individual who personally appeared before them at execution | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see corrected recorded mtg with initials |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000232350 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232350 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232330 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232330 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232330 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232298 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232298 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232298 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233264 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233264 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233264 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233239 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233239 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233239 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234610 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234610 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234610 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233855 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233855 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233855 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232336 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232336 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232336 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232016 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232016 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232016 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234611 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234611 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234611 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233785 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233785 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233785 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233748 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233748 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233748 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234662 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234662 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234662 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233760 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233760 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233760 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232354 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232354 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232354 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233268 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233268 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233268 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233819 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233819 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233819 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234578 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234578 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234578 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235628 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235628 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235628 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233807 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233807 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233807 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233332 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233332 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233332 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233222 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233222 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233222 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232387 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232387 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232387 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233322 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233322 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233322 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235518 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235518 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235518 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233192 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233192 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see statement under npe name |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233192 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233828 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233828 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233828 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233284 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233284 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233284 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233184 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233184 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233184 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233325 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233325 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233325 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233773 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233773 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233773 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233802 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233802 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233802 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233759 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000233759 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000233759 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000233261 | 1 of 3 | XXXX | XXXX | Compliance | State Rules Violation | XXXX | This loan failed the threshold loan points and fees test. (Municipal Code of XXXX § XXXX-XXXX-XXXX)The total points and fees of the mortgage exceed XXXX% of the total loan amount in the case that the loan amount is $XXXX or greater, or $XXXX in the case that the loan amount is less than $XXXX. The loan is XXXX compliant. | Acknowledged | Not Applicable | 2 | 2 | 3 | 2 | ||||
| XXXX | 1000233261 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The loan file is missing income documents for the borrower. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 3 | 2 | |||||
| XXXX | 1000233261 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233225 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233225 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233225 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233200 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233200 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233200 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233321 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233321 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233321 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233291 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233291 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file contains corporate tax returns; however it does not reflect any income. There is no way to determine if the borrowers meet the DTI requirements. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233291 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233788 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233788 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233788 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233769 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233769 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233769 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233215 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233215 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233215 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234582 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000234582 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see both cra&#XXXX;s |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000234582 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232381 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232381 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232381 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233244 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233244 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233244 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233743 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233743 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233743 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232393 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232393 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrowers. The loan file contains a Plaid income report; however, it does not indicate any income. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000232393 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234651 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234651 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234651 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233834 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233834 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233834 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233249 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233249 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233249 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233331 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233331 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233331 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233780 | 1 of 3 | XXXX | XXXX | Compliance | Rescission Test | XXXX | The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see audit trail. closing is on XXXX/XXXX, but the signing carried past XXXX:XXXX pm onto XXXX/XXXX |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233780 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233780 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233300 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233300 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please see LOX. data tape emailed to XXXX |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. Corrected data tape and LOX sent in to correct 1st lien payment marked as revolving rather than mortgage payment. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233300 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233224 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233224 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233224 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234635 | 1 of 3 | XXXX | XXXX | Compliance | State Rules Violation | XXXX | This loan failed the threshold loan APR test. (XXXX. Code, XXXX. XXXX Art. V Div. XXXX Subd. I Sec. XXXX-407(a) "Threshold loan" (XXXX) The APR of the loan exceeds by more than XXXX percentage points in the case of a first lien mortgage, or by more than XXXX percentage points in the case of a junior mortgage, the yield on XXXX securities having comparable periods of maturity to the loan maturity as of the XXXXth day of the month preceding the month in which the application is received."The loan is XXXX compliant." | Acknowledged | Not Applicable | 2 | 2 | 2 | 2 | ||||
| XXXX | 1000234635 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000234635 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000233317 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233317 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see statement under npe name |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233317 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233228 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233228 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233228 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233755 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233755 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233755 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233843 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233843 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233843 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233234 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233234 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233234 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233326 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233326 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233326 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233201 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233201 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233201 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233764 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233764 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233764 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233314 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233314 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233314 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233220 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233220 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233220 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234579 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234579 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234579 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234589 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234589 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234589 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233742 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233742 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233742 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234559 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234559 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234559 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234544 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234544 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234544 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233292 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233292 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 3 | 3 | |||||
| XXXX | 1000233292 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233808 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233808 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233808 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236529 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236529 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236529 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233212 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233212 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233212 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233279 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233279 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233279 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233191 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233191 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233191 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233281 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233281 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233281 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233295 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233295 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233295 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235626 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235626 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235626 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233289 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233289 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233289 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233827 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233827 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233827 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233833 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233833 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233833 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233250 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233250 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233250 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233323 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233323 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233323 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235652 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235652 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235652 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234565 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234565 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234565 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233329 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233329 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233329 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235545 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235545 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235545 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233728 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233728 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233728 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233330 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233330 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233330 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233796 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233796 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233796 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234552 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234552 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234552 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233820 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233820 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233820 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233278 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233278 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233278 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233731 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233731 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233731 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233735 | 1 of 3 | XXXX | XXXX | Compliance | Rescission Test | XXXX | The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Closing occurred XXXX/XXXX, however meeting carried over past XXXXpm into XXXX/XXXX. Please see audit trail |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233735 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233735 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233275 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233275 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233275 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233256 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233256 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233256 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234605 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234605 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234605 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233839 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233839 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233839 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234583 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234583 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234583 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233301 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233301 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233301 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233232 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233232 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233232 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233311 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233311 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233311 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233738 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233738 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233738 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233797 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233797 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233797 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234561 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234561 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234561 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233733 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233733 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233733 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235516 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235516 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235516 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235519 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235519 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235519 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234658 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234658 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234658 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233824 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233824 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233824 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233861 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233861 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233861 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233842 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233842 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233842 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235526 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235526 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235526 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234562 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234562 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000234562 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233850 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233850 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b1 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233850 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233794 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The non-borrowing spouse according to page one and signature page of the mortgage is XXXX XXXX XXXX but the signature and notary acknowledgement states only XXXX. A name affidavit was not provided indicating any name variations that XXXX goes by. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see correction with notary initials |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233794 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233794 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236596 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236596 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236596 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233778 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233778 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233778 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233789 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000233789 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000233789 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000234572 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234572 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 3 | 2 | |||||
| XXXX | 1000234572 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234549 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234549 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234549 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235612 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235612 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000235612 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234591 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000234591 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see mtg statement paid by other |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000234591 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000234648 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234648 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234648 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233310 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233310 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233310 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234541 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234541 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234541 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234593 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234593 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234593 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235633 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235633 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235633 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235608 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235608 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235608 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233762 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233762 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233762 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233754 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233754 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233754 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235567 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235567 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see statement paid by other |
Response 1 (XX/XX/XXXX XX:XXPM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000235567 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000234667 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234667 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234667 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234637 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234637 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234637 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233774 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233774 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233774 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233862 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233862 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233862 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233327 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233327 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233327 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234654 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234654 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234654 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233747 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233747 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233747 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234575 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234575 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234575 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233752 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233752 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233752 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235595 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235595 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235595 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233851 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233851 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233851 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234621 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234621 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234621 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233860 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233860 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233860 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234573 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234573 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234573 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233831 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233831 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233831 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235593 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235593 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 3 | 3 | |||||
| XXXX | 1000235593 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233804 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233804 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233804 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233852 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233852 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233852 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234642 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234642 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234642 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234645 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234645 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234645 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233815 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233815 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233815 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233829 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233829 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233829 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235557 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235557 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235557 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235555 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235555 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235555 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235546 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | Not Applicable | 1 | 1 | 3 | 2 | ||||||
| XXXX | 1000235546 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235546 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234683 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234683 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234683 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233771 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The name of the borrower is missing under the notary acknowledgment section on page XXXX of the Security Instrument. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see notary correction |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000233771 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233771 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235649 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235649 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235649 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234553 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234553 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234553 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234598 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234598 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234598 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235525 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235525 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235525 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233775 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233775 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233775 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234601 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234601 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234601 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234547 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234547 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234547 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233822 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233822 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233822 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234540 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234540 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234540 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233863 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000233863 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000233863 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000234539 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234539 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234539 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234595 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234595 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234595 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233823 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233823 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233823 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235517 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235517 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235517 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234643 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234643 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234643 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234604 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234604 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234604 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233811 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233811 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233811 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234652 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234652 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234652 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233847 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233847 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233847 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234548 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234548 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234548 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235659 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235659 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235659 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235534 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235534 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235534 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235621 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235621 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000235621 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233812 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233812 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233812 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233826 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233826 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233826 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235638 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235638 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235638 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234606 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234606 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000234606 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234617 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234617 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234617 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234551 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234551 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234551 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235566 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235566 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235566 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234599 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234599 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234599 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234555 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234555 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234555 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234584 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234584 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234584 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235559 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235559 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235559 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234564 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234564 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234564 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235524 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235524 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235524 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235520 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235520 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235520 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235522 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235522 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235522 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235639 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235639 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000235639 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000234633 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234633 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234633 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234685 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234685 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234685 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234641 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234641 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234641 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234571 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234571 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234571 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234638 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234638 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234638 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234585 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234585 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234585 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235660 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235660 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235660 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234588 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234588 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234588 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234665 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234665 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234665 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235561 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235561 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. The loan beam is missing. | Client | 2 | 2 | 3 | 2 | |||||
| XXXX | 1000235561 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235531 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235531 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235531 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235610 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000235610 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000235610 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000236636 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236636 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236636 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235650 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235650 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235650 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234618 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234618 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234618 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234570 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234570 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234570 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235529 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235529 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000235529 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233846 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233846 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233846 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234543 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234543 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234543 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235569 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235569 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235569 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234587 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234587 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234587 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236561 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236561 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see mtg statement paid by NPE |
Response 1 (XX/XX/XXXX XX:XXPM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000236561 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233838 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233838 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233838 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235657 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235657 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235657 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234560 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234560 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234560 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235537 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235537 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000235537 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235550 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235550 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235550 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234679 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234679 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234679 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234670 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234670 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234670 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235542 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235542 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235542 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235581 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235581 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235581 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234612 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234612 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234612 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236639 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236639 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236639 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234680 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234680 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234680 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234681 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234681 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234681 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234666 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234666 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234666 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236542 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236542 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236542 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235523 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235523 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235523 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235611 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235611 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235611 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236525 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236525 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236525 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234663 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234663 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234663 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234676 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234676 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234676 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234674 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234674 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234674 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235640 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The XXXX identifies the borrower as trustee of the "XXXX dated XXXX"; however, the AKA listed on page XXXX references the "XXXX dated January XXXXRE, XXXX," which is inconsistent with the trust documentation. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Docs uploaded. |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000235640 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235640 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235623 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235623 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235623 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236623 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236623 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236623 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234600 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000234600 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000234600 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235532 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235532 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235532 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234622 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234622 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234622 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235563 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235563 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235563 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235579 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235579 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see statement paid by other |
Response 1 (XX/XX/XXXX XX:XXPM) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000235579 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235582 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235582 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235582 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235540 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235540 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235540 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235521 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235521 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235521 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235599 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235599 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235599 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235624 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235624 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235624 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235543 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235543 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235543 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234669 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234669 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234669 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234682 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234682 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234682 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234671 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234671 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234671 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235538 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235538 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235538 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235607 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235607 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235607 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236610 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236610 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236610 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235641 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235641 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235641 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235571 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235571 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235571 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235576 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235576 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235576 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235629 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235629 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235629 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236615 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236615 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236615 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235536 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235536 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see twn for b1 and cra for b2 |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000235536 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236494 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236494 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236494 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235558 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235558 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235558 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235602 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235602 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235602 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236599 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236599 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236599 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235539 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235539 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235539 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235552 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235552 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235552 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235596 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235596 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235596 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235653 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235653 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235653 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235547 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235547 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235547 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235553 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235553 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235553 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236540 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236540 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236540 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236581 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236581 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236581 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235575 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235575 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235575 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235551 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235551 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235551 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236577 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236577 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236577 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235654 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235654 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235654 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236560 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236560 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236560 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235573 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235573 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235573 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235637 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235637 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235637 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235562 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235562 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235562 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236644 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236644 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236644 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236641 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236641 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236641 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236554 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236554 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236554 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235592 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235592 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235592 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235645 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The PUD rider development name "XXXX" is inaccurate when compared to the legal description. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see initialed PUD |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000235645 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235645 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235648 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235648 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235648 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235598 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235598 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please see pension doc |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000235598 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236591 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236591 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236591 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235580 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235580 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235580 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235609 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235609 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235609 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235588 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235588 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235588 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235618 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Name Discrepancy | XXXX | The non borrower spouse name listed on the Mortgage is inconsistent with the notary acknowledgment non borrower spouse name. Non borrower spouse is listed on the Mortgage and Title as XXXX. XXXX acknowledgment on Mortgage lists non borrower spouse as XXXX. File does not contain an XXXX or name affidavit linking the variation. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see name/signature aff |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000235618 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235618 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236570 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236570 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236570 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235591 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235591 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235591 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236538 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236538 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236538 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236537 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236537 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236537 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235605 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235605 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235605 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236579 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Missing Signature | XXXX | The Security Instrument was not fully executed by all required parties. The co-borrower signature was missing. Both borrowers are listed on the mortgage as XXXX XXXX and XXXX. Only XXXX signed the mortgage and was acknowledged by the notary. The signature and acknowledgement for XXXX is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see signed dot |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000236579 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236579 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236565 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236565 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000236565 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236597 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236597 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236597 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236550 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The date the notary acknowledged the Borrower and Non Borrower signature is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see notary initials |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000236550 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236550 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235644 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235644 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235644 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236624 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236624 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236624 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236589 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236589 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236589 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236578 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236578 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236578 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236507 | 1 of 3 | XXXX | XXXX | Compliance | State Rules Violation | XXXX | This loan has terms that exceed the high-cost home loan points and fees threshold. (XXXX SB XXXX XXXX-XXXXA-XXXX(XXXX),(XXXX)(B)) The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed: XXXX percent of the total loan amount if the total loan amount is $XXXX or more. Fees included in the test: Loan Origination $XXXX, Indirect Broker $XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please review refund |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000236507 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236507 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236598 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236598 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236598 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236558 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236558 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236558 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236629 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236629 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236629 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236512 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236512 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236512 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236545 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236545 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236545 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236611 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236611 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236611 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236516 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236516 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236516 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236547 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236547 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236547 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236645 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236645 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236645 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236594 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236594 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236594 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236608 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236608 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see mtg statement paid by NPE |
Response 1 (XX/XX/XXXX XX:XXPM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000236608 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236527 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236527 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236527 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236514 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236514 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236514 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236503 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236503 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236503 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236587 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236587 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236587 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236556 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236556 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236556 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236593 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236593 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236593 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236619 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236619 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236619 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236495 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Interest Rate | XXXX | This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% Interest Rate, the loan has a XXXX% Interest Rate. The loan fails the Interest Rate test by XXXX%. | Acknowledged | Not Applicable | 2 | 2 | 2 | 2 | ||||
| XXXX | 1000236495 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000236495 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000236539 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236539 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236539 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236582 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236582 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236582 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236552 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236552 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236552 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236515 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236515 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236515 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236631 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236631 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236631 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236600 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236600 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236600 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236518 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236518 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236518 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236630 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236630 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000236630 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236531 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236531 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236531 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236618 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236618 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236618 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236505 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236505 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000236505 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236576 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236576 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236576 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236575 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236575 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236575 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236533 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236533 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236533 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236647 | 1 of 3 | XXXX | XXXX | Compliance | Compliance Finding - Other | XXXX | ?There is a Statement of Credit Denial in the loan file. The letter states that the lender is withdrawing the credit application for the subject loan. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see LOX |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000236647 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236647 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236496 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236496 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236496 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236646 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236646 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236646 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236574 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236574 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236574 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236499 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236499 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236499 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236543 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236543 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236543 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236622 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236622 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236622 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236609 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236609 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236609 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236498 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236498 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236498 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236557 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236557 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236557 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236586 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236586 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236586 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236563 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236563 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236563 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236613 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236613 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236613 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236571 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236571 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236571 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236536 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236536 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236536 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236612 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236612 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see XXXX and XXXX items |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000236612 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236648 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236648 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236648 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236584 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236584 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236584 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236530 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236530 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236530 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236606 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236606 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000236606 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236595 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236595 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236595 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236521 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236521 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236521 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236617 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236617 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236617 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236592 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236592 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000236592 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000242945 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242945 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242945 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242909 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000242909 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX, which is a -XXXX% variance. The loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000242909 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000246625 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246625 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246625 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000242894 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242894 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242894 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000242920 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242920 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242920 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000242972 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242972 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242972 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242912 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242912 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242912 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242941 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242941 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242941 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000242936 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242936 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242936 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242953 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000242953 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see mtg statement paid by npe&#XXXX;s |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000242953 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000242956 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242956 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242956 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242942 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242942 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242942 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242949 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242949 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242949 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000242898 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242898 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242898 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242915 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242915 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242915 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246548 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246548 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246548 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246579 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246579 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246579 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242947 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242947 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242947 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000242902 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242902 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242902 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242922 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242922 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. Documentation for the borrower reflected income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000242922 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242899 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242899 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242899 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246640 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246640 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246640 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242933 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242933 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242933 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246519 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246519 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246519 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242973 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242973 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242973 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242904 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242904 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242904 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246543 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246543 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246543 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXPM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242977 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242977 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242977 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246582 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246582 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246582 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXPM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242975 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242975 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242975 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242930 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242930 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242930 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242907 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242907 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242907 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242926 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242926 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242926 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242961 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242961 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242961 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242925 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242925 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242925 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242950 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242950 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242950 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242946 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242946 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242946 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242916 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242916 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242916 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242939 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242939 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242939 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242935 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242935 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242935 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242937 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242937 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242937 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242911 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242911 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242911 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246570 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246570 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246570 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXPM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242921 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000242921 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see mtg statement paid by npe Rebuttal 2 (XX/XX/XXXX XX:XXPM) please see mtg statement |
Response 1 (XX/XX/XXXX XX:XXAM) Document not received. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000242921 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000246641 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246641 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246641 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242943 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242943 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242943 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242979 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242979 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242979 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246569 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246569 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246569 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242951 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242951 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242951 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242900 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242900 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242900 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242944 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242944 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242944 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242955 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242955 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242955 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242958 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242958 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242958 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242971 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242971 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242971 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242924 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242924 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242924 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246554 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246554 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246554 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242967 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242967 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242967 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242970 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242970 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242970 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246600 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246600 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246600 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242959 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242959 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242959 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246581 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246581 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246581 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242974 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242974 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242974 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246571 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246571 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246571 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246597 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246597 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246597 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246526 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246526 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246526 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXPM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242914 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242914 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242914 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246638 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246638 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246638 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246522 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246522 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246522 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246604 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246604 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246604 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246513 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246513 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246513 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246527 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246527 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246527 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246534 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246534 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246534 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246562 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246562 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The co-borrower’s income was missing. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000246562 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000246532 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246532 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246532 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246614 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246614 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246614 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246606 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246606 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246606 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000246564 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246564 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246564 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246583 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246583 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246583 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246524 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246524 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246524 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000246546 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246546 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246546 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246617 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246617 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246617 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246589 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246589 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246589 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246587 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246587 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246587 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246632 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246632 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246632 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246611 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246611 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246611 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246555 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246555 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246555 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246627 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246627 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246627 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000246549 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000246549 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX Documentation for the borrower reflected income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see additional income from cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000246549 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000246603 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246603 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246603 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246530 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246530 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246530 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246593 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The borrowers failed to date the mortgage. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see resigned doc |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000246593 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246593 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000246563 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246563 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246563 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246523 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246523 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246523 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246619 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246619 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246619 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246618 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246618 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246618 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246568 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246568 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246568 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246590 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246590 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246590 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246536 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246536 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246536 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000246580 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246580 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246580 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246586 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246586 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246586 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246565 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246565 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246565 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246599 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246599 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246599 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246533 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000246533 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX, which is a XXXX% variance. The loan file is missing income documents for the co-borrower. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000246533 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000246639 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246639 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246639 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246515 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246515 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246515 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246531 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246531 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246531 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000246556 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246556 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246556 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246576 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246576 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246576 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246588 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246588 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246588 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246544 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246544 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246544 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246620 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246620 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246620 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246518 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246518 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246518 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246613 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246613 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246613 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246634 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246634 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246634 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246578 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246578 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246578 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246552 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246552 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246552 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246557 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246557 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246557 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246623 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246623 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246623 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246537 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246537 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246537 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246567 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000246567 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX Documentation for the borrowers reflected income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for both borrowers |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000246567 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000246616 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246616 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246616 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246607 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246607 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246607 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246559 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246559 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246559 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246575 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246575 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246575 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000246577 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246577 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246577 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246605 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246605 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246605 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246628 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000246628 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. The Plaid provided indicates $XXXX final income. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000246628 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000246609 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246609 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246609 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246521 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246521 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246521 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246517 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246517 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246517 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000246637 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246637 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246637 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246631 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246631 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246631 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246598 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246598 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246598 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246572 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246572 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246572 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246629 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246629 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246629 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246624 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246624 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246624 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246602 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246602 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246602 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246643 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246643 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246643 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221538 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221538 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221538 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221456 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221456 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221456 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221579 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221579 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000221579 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221583 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221583 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221583 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221629 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221629 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221629 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221637 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221637 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see statement under npe name |
Response 1 (XX/XX/XXXX XX:XXPM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000221637 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221643 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221643 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221643 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226579 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226579 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226579 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226704 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226704 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. The loan file contains a Plaid; however, it does not belong to the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see both cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000226704 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232053 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232053 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232053 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233185 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233185 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see statement paid by other |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233185 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232294 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232294 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232294 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231949 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231949 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231949 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231958 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231958 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231958 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232331 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232331 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232331 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232345 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232345 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232345 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233306 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233306 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233306 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233821 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233821 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233821 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233763 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233763 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233763 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235661 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235661 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235661 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234659 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234659 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234659 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235636 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235636 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235636 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234636 | 1 of 3 | XXXX | XXXX | Compliance | State Rules Violation | XXXX | State Rules Violation. This loan failed the threshold loan APR test. (XXXX. Code, XXXX. XXXX Art. V Div. XXXX Subd. I Sec. XXXX-407(a) "Threshold loan" (XXXX) The APR of the loan exceeds by more than XXXX percentage points in the case of a first lien mortgage, or by more than XXXX percentage points in the case of a junior mortgage, the yield on XXXX securities having comparable periods of maturity to the loan maturity as of the XXXXth day of the month preceding the month in which the application is received. The loan is XXXX compliant. | Acknowledged | Not Applicable | 2 | 2 | 2 | 2 | ||||
| XXXX | 1000234636 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000234636 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000235528 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235528 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235528 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236544 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236544 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236544 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242976 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242976 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242976 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221557 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221557 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221557 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221493 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The notary acknowledgement reflects an incorrect notarization year listing XXXX instead of XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review notary affidavit |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000221493 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221493 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221571 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221571 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221571 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221467 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221467 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221467 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221623 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221623 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221623 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221657 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221657 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221657 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221585 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221585 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221585 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221548 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221548 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b1 |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000221548 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221661 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221661 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221661 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221508 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221508 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221508 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226602 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226602 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226602 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226574 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226574 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226574 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226557 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226557 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226557 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226560 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226560 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226560 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226649 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226649 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226649 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226608 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226608 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226608 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226595 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226595 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226595 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226551 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226551 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226551 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226598 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000226598 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000226598 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000231964 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231964 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231964 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234594 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234594 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234594 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231980 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231980 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231980 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231898 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231898 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231898 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232031 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232031 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232031 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234627 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234627 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234627 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232360 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232360 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232360 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231984 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231984 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231984 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232359 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232359 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232359 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233286 | 1 of 3 | XXXX | XXXX | Compliance | ROR - Timing | XXXX | This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date, XX/XX/XXXX, is before the third business day following the consummation date, XX/XX/XXXX. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §XXXX or §XXXX, or delivery of all material disclosures, whichever occurs last. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please review Rebuttal 2 (XX/XX/XXXX XX:XXAM) Please re-review. Rescission period is over |
Response 1 (XX/XX/XXXX XX:XXPM) Rescission docs received. Cannot resolve until rescission period expires. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The re-opened rescission expired at midnight on XX/XX/XXXX clearing the exception.(Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233286 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233286 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232373 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232373 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see mtg statement paid by npe |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000232373 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232302 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232302 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232302 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233845 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233845 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233845 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232034 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232034 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232034 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232397 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232397 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232397 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000238053 | 1 of 4 | XXXX | XXXX | Compliance | Note - Incomplete / Inaccurate | XXXX | The following section of the Note is inaccurate. The Legal Description shows the name of the XXXX as XXXX, while the Note lists the Condo Project as XXXX XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see corrected with initials |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000238053 | 2 of 4 | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The Legal Description shows the name of the XXXX as the XXXX while the Condo Rider shows the Condo Project as XXXX Section XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see corrected with initials |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000238053 | 3 of 4 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review income docs |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000238053 | 4 of 4 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233187 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Interest Rate | XXXX | This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% Interest Rate, the loan has a XXXX% Interest Rate. The loan fails the Interest Rate test by XXXX%. | Acknowledged | Not Applicable | 2 | 2 | 3 | 2 | ||||
| XXXX | 1000233187 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233187 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233793 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233793 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233793 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233263 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233263 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233263 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233197 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233197 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233197 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233856 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233856 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233856 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233262 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233262 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233262 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233758 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233758 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see mtg statement paid by NPE |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233758 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234538 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234538 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234538 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233817 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233817 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233817 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234619 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234619 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234619 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000238054 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000238054 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000238054 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233768 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233768 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233768 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234581 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234581 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234581 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234678 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234678 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234678 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235604 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235604 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235604 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235533 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235533 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235533 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235572 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235572 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235572 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236508 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236508 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236508 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235616 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235616 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235616 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236634 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236634 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236634 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236520 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236520 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236520 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236568 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236568 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236568 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236605 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236605 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236605 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246547 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Notary Acknowledgment for XXXX is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see acknowledgement on last page. Rebuttal 2 (XX/XX/XXXX XX:XXPM) please see re-recorded doc |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is not sufficient to clear the finding. The Acknowledgment for the borrower has been provided; however the original Mortgage was recorded. Evidence of re-recording is required. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000246547 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246547 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000242981 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242981 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242981 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000246574 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246574 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246574 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242940 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242940 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242940 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242901 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242901 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242901 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242980 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242980 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242980 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242964 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242964 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242964 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242963 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242963 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242963 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246538 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246538 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246538 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246540 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246540 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246540 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000242966 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242966 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242966 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246542 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246542 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246542 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246520 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246520 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246520 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242962 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242962 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242962 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246539 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246539 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246539 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXPM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000246535 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246535 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246535 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246612 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246612 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246612 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246529 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246529 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246529 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000246608 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246608 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246608 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246626 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246626 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246626 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000187050 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000187050 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000186838 | 1 of 2 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The XXXX did not list who appeared before them. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please review notary initials |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000186838 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000211428 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000211428 | 2 of 2 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX, which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000221567 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221567 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221567 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000220192 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The Security Instrument is Incomplete as the Riders Box for Other is checked but details of the specific rider was not provided. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please review corrections and initals |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000220192 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000220192 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221542 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221542 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221542 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221449 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221449 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review statement Rebuttal 2 (XX/XX/XXXX XX:XXPM) There was a system glitch. we have added the monthly mortgage amount into our debts. we are now showing XXXX% for DTI. Rebuttal 3 (XX/XX/XXXX XX:XXPM) Data Tape sent. |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is solely on the first mortgage statement. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) Including the payment of $XXXX yields a DTI of XXXX% which is within guidelines. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000221449 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221565 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221565 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221565 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221470 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221470 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221470 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221618 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221618 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221618 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221521 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221521 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221521 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221625 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221625 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221625 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226606 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226606 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226606 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226702 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226702 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226702 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226653 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226653 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226653 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232334 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232334 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000232334 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000231938 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231938 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231938 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231956 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231956 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231956 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232281 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232281 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232281 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231935 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231935 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231935 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233260 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233260 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233260 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233290 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233290 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233290 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231977 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231977 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231977 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232307 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232307 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232307 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232414 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232414 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232414 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232368 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232368 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232368 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232041 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232041 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232041 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232308 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232308 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232308 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233252 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233252 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233252 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235590 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235590 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235590 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233772 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233772 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233772 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234630 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234630 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234630 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233753 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233753 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233753 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242934 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000242934 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX, which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000242934 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000233800 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233800 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233800 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234639 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234639 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234639 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234574 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234574 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234574 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235578 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235578 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235578 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235620 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235620 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235620 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233844 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233844 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233844 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235574 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235574 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235574 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234647 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234647 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234647 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236640 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236640 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236640 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235585 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235585 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235585 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236559 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236559 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236559 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236553 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236553 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236553 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236627 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236627 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236627 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236637 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236637 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236637 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236638 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236638 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236638 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242919 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242919 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242919 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242968 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242968 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242968 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242927 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242927 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242927 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242928 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242928 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242928 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242917 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242917 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242917 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000242931 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242931 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242931 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242918 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000242918 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrowers. The loan file contains a Plaid income report; however, it does not belong to the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000242918 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000242923 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242923 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX, which is a -XXXX% variance. The loan file is missing income documents for the borrower. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 3 | 2 | |||||
| XXXX | 1000242923 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000242969 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242969 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242969 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246551 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246551 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246551 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246596 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246596 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246596 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246610 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246610 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246610 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246553 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246553 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246553 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246541 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246541 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246541 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246545 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246545 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246545 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246644 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246644 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246644 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246601 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246601 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246601 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246621 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246621 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246621 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246622 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246622 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246622 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXPM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221536 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221536 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221536 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232019 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232019 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232019 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232319 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232319 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232319 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232025 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232025 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232025 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233806 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233806 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233806 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232411 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232411 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232411 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233276 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233276 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233276 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235634 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235634 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235634 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234545 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234545 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234545 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236625 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236625 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236625 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236603 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236603 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236603 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221486 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221486 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221486 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232340 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232340 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232340 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232367 | 1 of 3 | XXXX | XXXX | Compliance | Compliance Finding - Other | XXXX | There is a Statement of Credit Denial in the loan file. The letter states that the lender is withdrawing the credit application for the subject loan. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review lox |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000232367 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232367 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236510 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236510 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236510 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236566 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236566 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236566 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246516 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246516 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246516 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221483 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221483 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221483 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221575 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221575 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review cra |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000221575 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226605 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226605 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226605 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231945 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231945 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231945 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233787 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233787 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233787 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232293 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232293 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232293 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242913 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242913 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242913 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242906 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242906 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000242906 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246566 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246566 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000246566 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000246630 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246630 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246630 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000246594 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246594 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246594 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246615 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246615 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000246615 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221560 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221560 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221560 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221543 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221543 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221543 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226603 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000226603 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra & schedule e for b1; cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000226603 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232409 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232409 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232409 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233251 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233251 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233251 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236583 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236583 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236583 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233209 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233209 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233209 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233313 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233313 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233313 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232288 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232288 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) data tape has been sent to XXXX. |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000232288 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233859 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233859 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233859 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233270 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233270 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233270 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233746 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233746 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233746 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234596 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234596 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234596 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233761 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233761 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233761 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233776 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233776 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233776 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235568 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235568 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235568 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236509 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236509 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236509 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236528 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236528 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236528 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236532 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236532 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236532 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000186778 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000186778 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000199577 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000199577 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233336 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233336 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233336 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM Provided. Rebuttal 2 (XX/XX/XXXX XX:XXPM) 2nd AVM Provided. |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
1 | 3 | 3 | 3 | ||
| XXXX | 1000221532 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221532 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221532 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221511 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221511 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221511 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221526 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221526 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221526 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221454 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221454 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221454 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000220185 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000220185 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see statement under npe name Rebuttal 2 (XX/XX/XXXX XX:XXAM) please review |
Response 1 (XX/XX/XXXX XX:XXAM) Only one bank statement provided, which does not tie the statement owner to the subject property or support regular payments on the subject first mortgage. (XXXX) Response 2 (XX/XX/XXXX XX:XXAM) First lien is in non-borrower name. Borrower is not obligated for the payment. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000220185 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221580 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221580 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221580 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221551 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221551 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221551 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221612 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221612 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI XXXX be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see statement paid by other |
Response 1 (XX/XX/XXXX XX:XXPM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000221612 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221464 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221464 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221464 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221581 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221581 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221581 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221503 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221503 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221503 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221443 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221443 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221443 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221630 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000221630 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000221630 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000226634 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226634 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226634 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221498 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221498 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221498 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221510 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221510 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221510 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221455 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221455 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221455 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221640 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221640 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221640 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221513 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221513 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221513 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221604 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221604 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221604 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221489 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221489 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221489 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221549 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221549 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221549 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221473 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Inaccurate | XXXX | The security instrument was not completed accurately. The name on the Pud rider does not match name of previous Pud rider " XXXX". | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please re-review. Legal states "XXXX" |
Response 1 (XX/XX/XXXX XX:XXPM) The information provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000221473 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221473 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221564 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221564 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221564 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221479 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221479 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221479 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221552 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221552 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221552 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221589 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221589 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000221589 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000221499 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221499 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000221499 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000221466 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221466 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221466 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221512 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221512 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221512 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221501 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000221501 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The loan file is missing income documents for the borrower. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000221501 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000221590 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221590 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000221590 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226583 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226583 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226583 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226543 | 1 of 3 | XXXX | XXXX | Compliance | Federal - HOEPA(High Cost)/APR | XXXX | This loan failed the high-cost mortgage APR threshold test due to the following finding: (12 CFR §1026.32(a)(1)(i)(A), (C)): The loan is secured by a first-lien transaction, and the annual percentage rate (APR), as determined in accordance with 12 CFR §1026.32(a)(3) XXXX%, exceeds the Average Prime Offer Rate (XXXX%) by more than XXXX%. The date the interest rate was set, as used for calculating the APOR, is XX/XX/XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) Docs uploaded. |
Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to clear the finding. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226543 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226543 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226626 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226626 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226626 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226558 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226558 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226558 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226556 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226556 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226556 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226547 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226547 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226547 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226552 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226552 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226552 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226141 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226141 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226141 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226590 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226590 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226590 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226699 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226699 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226699 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226694 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226694 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226694 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226677 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226677 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226677 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226711 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226711 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226711 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226581 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226581 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000226581 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226685 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226685 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226685 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000231939 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231939 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231939 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226555 | 1 of 3 | XXXX | XXXX | Compliance | State Testing | XXXX | This loan failed the interest rate test. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000226555 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000226555 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000226545 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226545 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There was a Plaid in the loan file; however, it did not belong to the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) Response 2 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000226545 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226567 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226567 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226567 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226620 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226620 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226620 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226687 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226687 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226687 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226554 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226554 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226554 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226720 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226720 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000226720 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000226662 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226662 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226662 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226604 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226604 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000226604 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226672 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226672 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226672 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234537 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234537 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000234537 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232283 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232283 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232283 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000231994 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231994 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231994 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231926 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231926 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231926 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231925 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231925 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231925 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232003 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232003 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232003 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231902 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231902 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231902 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231942 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231942 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231942 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231997 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231997 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231997 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233837 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233837 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233837 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233786 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233786 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233786 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231918 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231918 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231918 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232023 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232023 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232023 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233304 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233304 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233304 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231901 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231901 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. The loan file contains a Plaid; however it did not indicate any income. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please scroll to page XXXX/XXXX for b2&#XXXX;s name/ info |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000231901 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232346 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Non-Borrowing Spouse/Missing | XXXX | The Security Instrument was not executed by the non-borrower. The vesting on the current mortgage shows title held solely by the borrower, XXXX XXXX as tenant in severalty. However, prior recorded documents dated in XXXX reflect the borrower as "husband of XXXX" and XXXX executed the prior mortgage as well. The file does not contain documentation supporting the removal of the Non borrower's interest in the property. | Void | Not Applicable | Response 1 (XX/XX/XXXX XX:XXAM) finding voided. |
1 | 1 | 1 | 1 | |||
| XXXX | 1000232346 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232346 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231948 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231948 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231948 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231930 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231930 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231930 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231906 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231906 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231906 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231988 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231988 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000231988 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000231933 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231933 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231933 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232018 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232018 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232018 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231922 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231922 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231922 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232039 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Interest Rate | XXXX | This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% Interest Rate, the loan has a XXXX% Interest Rate. The loan fails the Interest Rate test by .XXXX%. | Acknowledged | Not Applicable | 2 | 2 | 3 | 2 | ||||
| XXXX | 1000232039 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232039 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232329 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232329 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232329 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232344 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232344 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232344 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233198 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233198 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233198 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232309 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232309 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232309 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232015 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232015 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232015 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232374 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232374 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232374 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231971 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231971 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231971 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000231962 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231962 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231962 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232398 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Interest Rate | XXXX | This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% Interest Rate, the loan has a XXXX% Interest Rate. The loan fails the Interest Rate test by XXXX%. | Acknowledged | Not Applicable | 2 | 2 | 3 | 2 | ||||
| XXXX | 1000232398 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000232398 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232417 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232417 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000232417 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXPM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235647 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235647 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235647 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232342 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232342 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232342 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232314 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232314 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232314 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234623 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234623 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000234623 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233740 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233740 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000233740 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233298 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233298 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233298 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233315 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233315 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra & w2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000233315 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233857 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233857 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233857 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233188 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233188 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233188 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233730 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233730 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233730 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233799 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233799 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233799 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232380 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232380 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232380 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233257 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233257 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233257 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000232339 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232339 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232339 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233288 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233288 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233288 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233282 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233282 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233282 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235614 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235614 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235614 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233798 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233798 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233798 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233320 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233320 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233320 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233737 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233737 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233737 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233199 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233199 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233199 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233756 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233756 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233756 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234546 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234546 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234546 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233283 | 1 of 3 | XXXX | XXXX | Compliance | Rescission Test | XXXX | The loan closed on XX/XX/XXXX, the rescission end date was XX/XX/XXXX and the loan funded on XX/XX/XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please review Rebuttal 2 (XX/XX/XXXX XX:XXPM) Recission period ended; can you please review? |
Response 1 (XX/XX/XXXX XX:XXPM) Rescission docs received. Cannot resolve until rescission period expires. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The re-opened rescission expired at midnight on XX/XX/XXXX clearing the exception. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233283 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233283 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234673 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234673 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234673 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233294 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233294 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233294 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233302 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233302 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233302 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234620 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234620 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234620 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233223 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233223 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233223 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235619 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235619 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000235619 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000234566 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Interest Rate | XXXX | This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% Interest Rate, the loan has a XXXX% Interest Rate. The loan fails the Interest Rate test by XXXX%. | Acknowledged | Not Applicable | 2 | 2 | 2 | 2 | ||||
| XXXX | 1000234566 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000234566 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000233745 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233745 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233745 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233316 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233316 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 3 | 3 | |||||
| XXXX | 1000233316 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233854 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233854 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233854 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233757 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233757 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233757 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233739 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233739 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233739 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233732 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233732 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233732 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233818 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233818 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233818 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233849 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233849 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233849 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235643 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235643 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235643 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235606 | 1 of 4 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235606 | 2 of 4 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see mortgage statement paid by other |
Response 1 (XX/XX/XXXX XX:XXPM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000235606 | 3 of 4 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000235606 | 4 of 4 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233790 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233790 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233790 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000234608 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234608 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234608 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234554 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234554 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234554 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233825 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233825 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233825 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233832 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233832 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233832 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235646 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235646 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235646 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235651 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235651 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235651 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234569 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234569 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234569 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235548 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235548 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235548 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235527 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235527 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235527 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235601 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235601 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235601 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235622 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Interest Rate | XXXX | This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% Interest Rate, the loan has a XXXX% Interest Rate. The loan fails the Interest Rate test by XXXX%. | Acknowledged | Not Applicable | 2 | 2 | 2 | 2 | ||||
| XXXX | 1000235622 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000235622 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000234567 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234567 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234567 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234640 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234640 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234640 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235554 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235554 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235554 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000234607 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234607 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234607 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234655 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234655 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234655 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235656 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235656 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000235656 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235515 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235515 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235515 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000235577 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235577 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000235577 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235564 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000235564 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see mortgage statement paid by npe |
Response 1 (XX/XX/XXXX XX:XXPM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000235564 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235530 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235530 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235530 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235589 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235589 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. The loan file contains a Plaid; however, it does not indicate any income. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000235589 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235658 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000235658 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 3 | 3 | |||||
| XXXX | 1000235658 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236569 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument - Incomplete | XXXX | The following section of the Security Instrument (Mortgage/Deed of Trust) is incomplete: The notary acknowledgment, page XXXX of XXXX, is missing the Co-Borrower name as being acknowledged by the XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) XXXX signed as POA for XXXX. The notary would not have acknowledged XXXX since she did not sign. |
Response 1 (XX/XX/XXXX XX:XXPM) The information provided is sufficient to clear the finding. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000236569 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236569 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235642 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235642 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235642 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235583 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235583 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235583 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236523 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236523 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000236523 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235549 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235549 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235549 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236643 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236643 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000236643 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236502 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236502 | 2 of 3 | XXXX | XXXX | Credit | Program Parameters - Lien Position | XXXX | The data was delivered indicating the subject loan is a first lien; however, documents in the loan file reflect the XXXX position is a second. Please confirm the XXXX position and provide a letter of explanation and corrected data tape. If the existing first lien recorded on XX/XX/XXXX was paid off, please provide evidence of payoff. Subject to compliance re-testing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see payoff docs Rebuttal 2 (XX/XX/XXXX XX:XXAM) Sending correct data tape to XXXX. |
Response 1 (XX/XX/XXXX XX:XXPM) The payoff information sent in indicates the second mortgage on the title recorded XX/XX/XXXX was paid off. There was no documentation sent for the first mortgage on the title recorded on XX/XX/XXXX with the initial amount of $XXXX to indicate it was paid. Further, the credit report in the file shows that as of XX/XX/XXXX the mortgage still has a balance of $XXXX. Please send in information that the first mortgage was paid off. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. Corrected data tape and LOX sent in to correct XXXX position to a 2nd. First XXXX was not included initially. Re-tested as a second lien, no additional findings required. . (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000236502 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236607 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236607 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236607 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236526 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236526 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236526 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236535 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236535 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236535 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236504 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236504 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The loan file is missing income documents for the co-borrower. The DTI of XXXX% exceeds the guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see additional income from cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000236504 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236501 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236501 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236501 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236604 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236604 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236604 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236500 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236500 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236500 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000236621 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236621 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236621 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236616 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236616 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236616 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236497 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236497 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236497 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236546 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236546 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236546 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236511 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236511 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236511 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236633 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236633 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236633 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236534 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236534 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236534 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236524 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236524 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236524 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000236555 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236555 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000236555 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000242897 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242897 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242897 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000242938 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242938 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000242938 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000242896 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000242896 | 2 of 3 | XXXX | XXXX | Credit | DTI - Calculation | XXXX | The data was delivered indicating there is a senior XXXX however, no 1st XXXX mortgage payment was included in the “Monthly payment first mortgage” data. Please provide an explanation for excluding the first lien payment or provide the 1st lien payment. The DTI will be recalculated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see mtg statement paid by NPE |
Response 1 (XX/XX/XXXX XX:XXAM) Borrower is not responsible for first mortgage. (Resolved) |
3 | 1 | 3 | 3 | ||
| XXXX | 1000242896 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232009 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232009 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232009 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000226673 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226673 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000226673 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231909 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231909 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231909 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231916 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231916 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231916 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232005 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232005 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232005 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234668 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234668 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234668 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000231952 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231952 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231952 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000232008 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232008 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000232008 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000231915 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231915 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000231915 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233214 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233214 | 2 of 3 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX. The DTI of XXXX% exceeds the guidelines. The loan beam is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra for b2 |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233214 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000232312 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232312 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000232312 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233791 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233791 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000233791 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000233767 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233767 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233767 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233221 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000233221 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see cra |
Response 1 (XX/XX/XXXX XX:XXAM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000233221 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000234675 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234675 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000234675 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000233741 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233741 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233741 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000235570 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235570 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000235570 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233810 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233810 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233810 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234677 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234677 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234677 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236628 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236628 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) please see cra |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000236628 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235587 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000235587 | 2 of 3 | XXXX | XXXX | Credit | Income - Missing | XXXX | The income data was delivered as $XXXX. The loan file is missing income documents for the borrower. There is no way to determine if the borrowers meet the DTI requirements. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) please see recent paystubs and XXXX |
Response 1 (XX/XX/XXXX XX:XXPM) The income is supported. Documentation is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000235587 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000236620 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236620 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 3 | |||||
| XXXX | 1000236620 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | ||
| XXXX | 1000184732 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000184732 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000184732 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000233736 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233736 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 2 | |||||
| XXXX | 1000233736 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | ||
| XXXX | 1000234614 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234614 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000234614 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000236551 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000236551 | 2 of 3 | XXXX | XXXX | Credit | Income - Variance | XXXX | The income data was delivered as $XXXX. The loan file reflects income of $XXXX which is a -XXXX% variance. The loan file is missing income documents for the borrower. The DTI of XXXX% is within the guidelines. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000236551 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000184647 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000184647 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000184647 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000175883 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000175883 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000175883 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246991 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246991 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000246991 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000005638 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000005638 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000005638 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Value is supported within 10% of original appraisal amount | XXXX | The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. Loan contains a CDA in file which supports origination value in the appraisal report. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000005658 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000005658 | 2 of 3 | XXXX | XXXX | Credit | Credit - Other | XXXX | There are additional observations that could impact the credit decision and/or quality of the loan. The subject property has an active Solar Agreement for Solar Panels. The guidelines indicate recent copy of an account statement is required to ensure the obligation is accounted for in the DTI if not reporting on credit. The loan file does not contain a recent account statement for the solar panels. It should be noted that the Borrower's current DTI is XXXX% and the maximum DTI allowed for a Fico < XXXX is XXXX%. The inclusion of a solar panel payment would increase the maximum XXXX% DTI allowed. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Solar contract |
Response 1 (XX/XX/XXXX XX:XXAM) XXXX contract only. This is a utility. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000005658 | 3 of 3 | XXXX | XXXX | Credit | Income - Other | XXXX | There are additional employment/income findings. The guidelines indicate that a VVOE for the Borrower's current employer, a WVOE including year-to-date and prior two years earnings, or a recent YTD paystub(s) and XXXX’s for the most recent XXXX years are required to support income for wage earners. The loan file contains XXXX years W2's (XXXX & XXXX) and a VVOE dated XX/XX/XXXX. The VVOE does dot indicate the Borrower's start date with his current employer. The loan file is missing a recent YTD paystub or full WVOE with XXXX years income. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) The borrower has been with the same employer since XX/XX/XXXX (XXXX+ years) The XXXX and XXXX W2&#XXXX;s reflect XXXX and they are a payroll management company, not the borrowers employer. VVOE reflects borrower is active as required. A WVOE is not required. |
Response 1 (XX/XX/XXXX XX:XXAM) Explanation received is sufficient. (Resolved) |
4 | 1 | 3 | 1 | ||
| XXXX | 1000005836 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000005836 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000029330 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000029330 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000029491 | 1 of 2 | XXXX | XXXX | Compliance | Security Instrument - Missing Rider/Addendum | XXXX | The following referenced Rider(s)/Legal Addendum(s) are missing:XXXX-XXXX Family Rider (box checked on HELOC mtg) | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) XXXX follows the Deed of Trust, XXXX does not show property as a XXXX-XXXX Family Rider Rebuttal 2 (XX/XX/XXXX XX:XXAM) per title, XXXX was not recorded yet, we corrected the original and resubmitted it to record. No affidavit needed. (see attached) |
Response 1 (XX/XX/XXXX XX:XXPM) The information provided is not sufficient to cure the finding. A XXXX indicating the XXXX-XXXX Family XXXX was marked in error and sent for recording is required. (XXXX). Response 2 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000029491 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000029659 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000029659 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000029423 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Grace Period Test | XXXX | This loan failed the grace period test. The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a minimum XXXX days grace period, the loan has a XXXX day grace period. The loan fails the grace period test by XXXX days. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000029423 | 2 of 3 | XXXX | XXXX | Compliance | State Testing - Late Fees Test | XXXX | This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX % late fee, the loan has a XXXX % late fee. The loan fails the late fees test by XXXX%. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000029423 | 3 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053265 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053265 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000040533 | 1 of 2 | XXXX | XXXX | Compliance | State Testing - Interest Rate | XXXX | This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% Interest Rate, the loan has a XXXX% Interest Rate. The loan fails the Interest Rate test by XXXX%. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000040533 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053254 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053254 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053344 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053344 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053589 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053589 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053618 | 1 of 2 | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | This loan failed the second XXXX prohibited fees test. ( XXXX. §XXXX:11C-XXXX, XXXX. §§XXXX:XXXX-XXXX ). The loan does charge fee(s) not provided for in this act, which is prohibited. A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act. Fee included in the test: Broker Fee $XXXX. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053618 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053259 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053259 | 2 of 2 | XXXX | XXXX | Credit | Verification Documentation - VOE/Missing | XXXX | A VOE is missing from the loan file. The loan file is missing a VOE for the: co-borrower. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) VVOE |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053261 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053261 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053253 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053253 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053347 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053347 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053255 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053255 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053256 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053256 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053325 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053325 | 2 of 2 | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The application lists significant debts that were not verified on the credit report and not independently verified. A monthly HOA fee of $XXXX was included in the DTI. The file did not contain documentation to verify this fee. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) HOA |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053267 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053267 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053326 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053326 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053262 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053262 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053263 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053263 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053482 | 1 of 2 | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | This loan failed the prohibited fees test. The loan contains one or more prohibited fees. Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. (XXXX XXXX ADC §XXXX). Fee included in the test: Broker Direct Fee $XXXX | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053482 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053328 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053328 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053335 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053335 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053299 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053299 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053266 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053266 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053318 | 1 of 2 | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. The loan contains one or more prohibited fees. Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. (XXXX XXXX ADC §XXXX) The test includes the following fee: Broker Compensation $XXXX. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053318 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053310 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053310 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053297 | 1 of 2 | XXXX | XXXX | Compliance | Note - Incomplete / Inaccurate | XXXX | The following section of the Note is incomplete. Page XXXX of XXXX is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) note |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053297 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053353 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053353 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053437 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053437 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053323 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053323 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053359 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053359 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053426 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053426 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053490 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053490 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053448 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053448 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053578 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053578 | 2 of 2 | XXXX | XXXX | Credit | FEMA | XXXX | XXXX completed reflecting a declared disaster after appraisal date. FEMA Declaration declared XX/XX/XXXX for XXXX XXXX [DR-XXXX-XXXX] with an incident period of XX/XX/XXXX – XX/XX/XXXX which is after the original appraisal date XX/XX/XXXX. Please provide Property Inspection to confirm no damage. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) PDI |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053435 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053435 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053308 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053308 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053471 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053471 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053271 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053271 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053355 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053355 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053279 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053279 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053424 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053424 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053413 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053413 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053628 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053628 | 2 of 2 | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters for collections. Guidelines allow collections < $XXXX to remain open provided title in not affected. A collection with XXXX is reflected on the credit report with a balance of $XXXX; therefore, would have to be paid off. This debt was included in the DTI with a monthly payment of $XXXX. The file contained documentation indicating a payment plan is in effect. Guidelines do not allow for a payment plan for this scenario and payoff of this debt is required. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please review for reconsideration. The collection account is now treated as an installment account since it is now being paid by XXXX installments. Loan qualifies with the monthly payment. |
Response 1 (XX/XX/XXXX XX:XXPM) Explanation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053258 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053258 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053622 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053622 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053408 | 1 of 4 | XXXX | XXXX | Compliance | HELOC Brochure - Late | XXXX | There is no evidence in the file that the home equity brochure entitled What You Should Know About Home Equity Lines of Credit (or a suitable substitute) was provided to the borrower within XXXX business days of application. Truth In Lending Act (Regulation Z) 12 CFR 1026.40(e). | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053408 | 2 of 4 | XXXX | XXXX | Compliance | HELOC Initial/Early Disclosure - Late | XXXX | The Initial HELOC Disclosure was not provided to the borrower within XXXX business days of application. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053408 | 3 of 4 | XXXX | XXXX | Compliance | HOC - Late | XXXX | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a)(1). | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053408 | 4 of 4 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053361 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053361 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053440 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053440 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053464 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053464 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053428 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053428 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053283 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053283 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053290 | 1 of 4 | XXXX | XXXX | Compliance | HELOC Brochure - Late | XXXX | There is no evidence in the file that the home equity brochure entitled What You Should Know About Home Equity Lines of Credit (or a suitable substitute) was provided to the borrower within XXXX business days of application. Truth In Lending Act (Regulation Z) 12 CFR 1026.40(e) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053290 | 2 of 4 | XXXX | XXXX | Compliance | HELOC Initial/Early Disclosure - Late | XXXX | The Initial HELOC Disclosure was not provided to the borrower/s within XXXX business days of application. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053290 | 3 of 4 | XXXX | XXXX | Compliance | HOC - Late | XXXX | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a)(1). | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053290 | 4 of 4 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053321 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053321 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053551 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053551 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053275 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053275 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053443 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053443 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053453 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053453 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053384 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053384 | 2 of 2 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | The loan was approved with a XXXX%. The qualifying components at origination and review are very similar except for the first mortgage escrow account. The originator based the DTI on a monthly escrow payment of $XXXX, which was accurate for the XXXX mortgage payment. The escrow payment increased to $XXXX per month for the XXXX mortgage payment, according to the most recent mortgage statement. As a result, the DTI was XXXX%, which was excessive. The residual income of $XXXX per month was not sufficient to allow a DTI over XXXX% and less than XXXX%. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) LOX Rebuttal 2 (XX/XX/XXXX XX:XXPM) borrower has XXXX student loans. XXXX that are clearly in IDR and have a $XXXX payment. The other XXXX show as status "in school" instead of in repayment. I suggest that we use $XXXX for those loans as well - since they will likely go in to the IDR and also have a $XXXX payment. Then the actual documented payment would be $XXXX. Removing those debts gets DTI back down to where we need. I uploaded a new worksheet with all the changes and notes about our documentation confirming no payment. Rebuttal XXXX (XX/XX/XXXX XX:XXPM) It is covered in the Student Loans section of our guidelines. If we can verify a $XXXX payment with the IDR plan, we can use it. Rebuttal 4 (XX/XX/XXXX XX:XXPM) Uploaded LOX |
Response 1 (XX/XX/XXXX XX:XXPM) Disagree. The escrow payment on the first mortgage is a qualifying component which results in a DTI over XXXX%. (XXXX) Response 2 (XX/XX/XXXX XX:XXAM) Please provide the guide that allows payments in deferment to be qualified at a zero monthly payment. (XXXX) Response XXXX (XX/XX/XXXX XX:XXPM) Guidelines provided do not allow a payment of zero on deferred student loans. If the student loan has an income driven payment plan, then deferred should not appear on the credit report. (XXXX) Response 4 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053497 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053497 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053357 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053357 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053372 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053372 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053523 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053523 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053352 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053352 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053433 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053433 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053306 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053306 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053336 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Grace Period Test | XXXX | This loan failed the grace period test. The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a minimum XXXX day grace period, the loan has a XXXX day grace period. The loan fails the grace period test by XXXX days. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053336 | 2 of 3 | XXXX | XXXX | Compliance | State Testing - Late Fees Test | XXXX | This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% late fee, the loan has a XXXX% late fee.' The loan fails the late fees test by XXXX%. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053336 | 3 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053605 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053605 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053374 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053374 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053606 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053606 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053309 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053309 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053538 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053538 | 2 of 2 | XXXX | XXXX | Credit | Credit - Other | XXXX | The borrower recently purchased the subject property XXXX/XXXX. The mortgage with XXXX is reporting on credit report for XXXX month. The approval worksheet in the file reflects the mortgage with XXXX as being escrowed per the final CD; however, the final CD is missing from the file. A mortgage statement or other documentation also not provided to determine the monthly P&I payment with XXXX and that the mortgage is escrowed as indicated. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) LOX Rebuttal 2 (XX/XX/XXXX XX:XXAM) CD uploaded |
Response 1 (XX/XX/XXXX XX:XXPM) Disagree. Documentation to determine total PITI for first mortgage is required. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053304 | 1 of 2 | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | This loan failed the prohibited fees test. The loan contains one or more prohibited fees. Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. (XXXX XXXX ADC §XXXX). Fee included in the test: Broker Direct Fee $XXXX. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053304 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053491 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053491 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053452 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053452 | 2 of 2 | XXXX | XXXX | Credit | FEMA | XXXX | XXXX completed reflecting a declared disaster after appraisal date. FEMA Declaration declared XX/XX/XXXX for XXXX XXXX [DR-XXXX-XXXX] with an incident period of XX/XX/XXXX – XX/XX/XXXX which is after the original appraisal date XX/XX/XXXX. Please provide Property Inspection to confirm no damage. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) PDI |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053274 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053274 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053554 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053554 | 2 of 2 | XXXX | XXXX | Credit | Credit Report - Other | XXXX | The loan file is missing an updated recent mortgage payment. The loan has an application date of XX/XX/XXXX with a DLA on the subject first lien of XX/XX/XXXX (XXXX days). This exceeds the investor guidelines of XXXX days and requires documentation of the recent payment. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) XXXX |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053603 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053603 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053296 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053296 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053634 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053634 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053400 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053400 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053474 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053474 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053484 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053484 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053398 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Grace Period Test | XXXX | This loan failed the grace period test. This loan failed the grace period test. The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a minimum XXXX of days day grace period, the loan has a XXXX day grace period. The loan fails the grace period test by XXXX days. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053398 | 2 of 3 | XXXX | XXXX | Compliance | State Testing - Late Fees Test | XXXX | This loan failed the late fees test. This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% late fee, the loan has a XXXX% late fee. The loan fails the late fees test by XXXX%. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053398 | 3 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053646 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053646 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053429 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053429 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053314 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053314 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053329 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053329 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053295 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053295 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053305 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053305 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053563 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053563 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053619 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053619 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053544 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053544 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053288 | 1 of 2 | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | This loan failed the prohibited fees test. The loan contains one or more prohibited fees. Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. (XXXX XXXX ADC §XXXX). Fee included in the test: Broker Direct Fee $XXXX | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053288 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053553 | 1 of 2 | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | State Testing - Prohibited Fees. This loan failed the prohibited fees test. The loan contains one or more prohibited fees. Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. (XXXX XXXX ADC §XXXX). Fee included in the test: Broker Fee $XXXX, Tax Certificate $XXXX, XXXX Fee $XXXX. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053553 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053292 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053292 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053345 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Grace Period Test | XXXX | This loan failed the grace period test. The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a minimum XXXX-day grace period, the loan has a XXXX-day grace period. The loan fails the grace period test by XXXX days. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053345 | 2 of 3 | XXXX | XXXX | Compliance | State Testing - Late Fees Test | XXXX | This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.' The state regulation of XXXX allows for a maximum XXXX% late fee, the loan has a XXXX% late fee.' The loan fails the late fees test by XXXX%. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053345 | 3 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053392 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053392 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053650 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053650 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053487 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053487 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053535 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053535 | 2 of 2 | XXXX | XXXX | Credit | Assets - 30-day Charge Accounts | XXXX | The file does not contain evidence of sufficient assets to payoff outstanding XXXX-day charge accounts. The borrower has an open XXXX account with a balance of $XXXX and only supplied assets totaling $XXXX. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) statement |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053387 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053387 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053450 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053450 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053616 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053616 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053341 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053341 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053541 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053541 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053613 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053613 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053432 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053432 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053427 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053427 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053367 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053367 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053458 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053458 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053300 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053300 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053550 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053550 | 2 of 2 | XXXX | XXXX | Credit | Income - Pay Stubs Missing | XXXX | The required pay stubs were not obtained from the applicant. The file is missing the borrowers current paystubs within XXXX days of the note date XX/XX/XXXX per guidelines. Additional conditions may apply. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) PAystubs |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053478 | 1 of 2 | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan contains one or more prohibited fees. Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. (XXXX XXXX ADC §XXXX). Fee included in the test: Broker Direct Fee $XXXX | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053478 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053461 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053461 | 2 of 2 | XXXX | XXXX | Credit | Condo - Documentation | XXXX | Per the guidelines, an online search is required for subject property to determine not a condotel or short-term rental. However, the file did not contain the search or any other documentation to confirm. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) search Rebuttal 2 (XX/XX/XXXX XX:XXAM) Not a condotel, according to search and appraisal. |
Response 1 (XX/XX/XXXX XX:XXPM) Search provided for XXXX XXXX, XXXX. XXXX is XXXX XXXX, XXXX, XXXX. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053370 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053370 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053363 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053363 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053612 | 1 of 2 | XXXX | XXXX | Compliance | Security Instrument - Non-Borrowing Spouse/Missing | XXXX | The Security Instrument was not acknowledged by the notary for the the non-borrower. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) security Rebuttal 2 (XX/XX/XXXX XX:XXPM) Mortgage Rebuttal 3 (XX/XX/XXXX XX:XXAM) The recorded security instrument was signed by the non-borrowing spouse. The documentation shows this. Rebuttal 4 (XX/XX/XXXX XX:XXAM) The DOT is signed and notarized, along with XXXX witness signature. This is sufficient, the notary date is the same date as non-borrowing spouses signature. Please give an example of what you are looking for. Rebuttal 5 (XX/XX/XXXX XX:XXPM) XXXX uploaded |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is not sufficient to cure the finding. The XXXX page of the Mortgage only indicates that the borrower was before the XXXX and does not address the non-borrower. Evidence the non-borrower was also before the XXXX to be considered valid. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) The documentation provided is not sufficient to cure the finding. The XXXX is only acknowledging that the borrower was in their presence at the time of signing the Mortgage. The XXXX did not acknowledge the presence of Non-borrowing spouse when they executed the Mortgage. (XXXX) Response 3 (XX/XX/XXXX XX:XXPM) The documentation provided is not sufficient to cure the finding. The Non-borrower signed the Mortgage but was not included in the notarization. It can not be determined the Non-borrower signed the Mortgage in the presence of a XXXX. Provide a corrected Mortgage or Scriveners affidavit. (XXXX) Response 4 (XX/XX/XXXX XX:XXAM) An example of the missing notary confirming the Non Borrower was present at signing was sent via email. (XXXX) Response 5 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053612 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053422 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053422 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053623 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053623 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053430 | 1 of 2 | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. This test includes the following fees: Broker Compensation. The loan fails the prohibited fees test by $XXXX. Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. (XXXX XXXX ADC §XXXX) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053430 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053415 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053415 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053418 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053418 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053349 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053349 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053520 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Grace Period Test | XXXX | This loan failed the grace period test. The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a minimum XXXX day grace period, the loan has a XXXX day grace period. The loan fails the grace period test by XXXX days. | Client | 2 | 2 | 3 | 2 | |||||
| XXXX | 1000053520 | 2 of 3 | XXXX | XXXX | Compliance | State Testing - Late Fees Test | XXXX | This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.' The state regulation of XXXX allows for a maximum XXXX% late fee, the loan has a XXXX% late fee. The loan fails the late fees test by XXXX%. | Client | 2 | 2 | 3 | 2 | |||||
| XXXX | 1000053520 | 3 of 3 | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | Per the final loan application, the retained REO/rental property reflects owned with a mortgage obligation. However, the XXXX report and the XXXX/XXXX Schedule E reflect a current mortgage debt. The loan file is missing verification that the REO/ Rental property is owned free and clear. Additional conditions may apply. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) employment history on the XXXX has been updated and I added income from their current job which they have been XXXX for all of XXXX. Using YTD and DTI is back down to XXXX%. Uploaded worksheet and mortgage history. |
Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 2 | ||
| XXXX | 1000053457 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053457 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053479 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053479 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053319 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053319 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053466 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053466 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053472 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053472 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053632 | 1 of 4 | XXXX | XXXX | Compliance | HELOC Brochure - Late | XXXX | There is no evidence in the file that the home equity brochure entitled What You Should Know About Home Equity Lines of Credit (or a suitable substitute) was provided to the borrower within XXXX business days of application. Truth In Lending Act (Regulation Z) 12 CFR 1026.40(e) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053632 | 2 of 4 | XXXX | XXXX | Compliance | HELOC Initial/Early Disclosure - Late | XXXX | The Initial HELOC Disclosure was not provided to the borrower within XXXX business days of application. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053632 | 3 of 4 | XXXX | XXXX | Compliance | HOC - Late | XXXX | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a)(1) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053632 | 4 of 4 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053495 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053495 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053395 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053395 | 2 of 2 | XXXX | XXXX | Credit | Income - Miscalculated/DTI Exceeds Tolerance | XXXX | The lender used bonus income for qualifying. The borrower changed employment XX/XX/XXXX. Borrower received bonus with prior employer, however, as of XX/XX/XXXX, borrower has not received any bonus other than a sign on bonus which cannot be used for qualifying income. In addition, lender averaged instead of annualized sign-on bonus. The file does not contain documentation from borrower’s current employer indicating bonuses will be received. Excluding bonus income, DTI increased from XXXX% to XXXX%. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) I uploaded the contract from XXXX. The contract showing that the borrower is eligible for annual cash awards should be enough for us to use at least enough bonus income to qualify. Here is a snip from the contract that talks about his guaranteed cash award for fiscal XXXX. Which is separate from the one time cash award he already received and we used to qualify. XXXX award of $XXXX and an XXXX of $XXXX Rebuttal 2 (XX/XX/XXXX XX:XXAM) The XXXX award is part of the variable compensation plan that is ongoing income. This is not a one time award but part of a continuing compensation plan. The employment contract outlines one time awards separate from the performance compensation plan. Rebuttal 3 (XX/XX/XXXX XX:XXPM) Contract states variable incentive is guaranteed $XXXX. Rebuttal 4 (XX/XX/XXXX XX:XXAM) Uploaded documentation supporting XXXX income from prior employer. |
Response 1 (XX/XX/XXXX XX:XXPM) The $XXXX first year award, which is the only award that is not a one-time award, is not enough over XXXX months to achieve a DTI under XXXX%. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) Unable to resolve with the documentation available. (XXXX) Response 3 (XX/XX/XXXX XX:XXPM) Even if the $XXXX XXXX is used ($XXXX - $XXXX one time) the DTI would be XXXX%. (XXXX) Response 4 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053519 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053519 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053595 | 1 of 3 | XXXX | XXXX | Compliance | State Testing - Grace Period Test | XXXX | This loan failed the grace period test. The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a minimum XXXX days grace period, the loan has a XXXX days grace period. The loan fails the grace period test by XXXX days. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053595 | 2 of 3 | XXXX | XXXX | Compliance | State Testing - Late Fees Test | XXXX | This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% late fee, the loan has a XXXX% late fee. The loan fails the late fees test by XXXX%. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053595 | 3 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053423 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053423 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053298 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053298 | 2 of 2 | XXXX | XXXX | Credit | Liabilities - Excluded Debts | XXXX | Guidelines require a Co-Signed loan include documentation to evidence that the obligor/debtor has been making the account payments for the most recent XXXX consecutive months. The file contains twelve months bank statements from the debtor; however, the statements are not consecutive. The statement for XXXX/XXXX is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) pmt |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053414 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053414 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053598 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053598 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053365 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053365 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053534 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053534 | 2 of 2 | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The loan file is missing a current mortgage statement for the first XXXX which is necessary in order to validate the current principal and interest payment. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) mtg |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053586 | 1 of 4 | XXXX | XXXX | Compliance | HELOC Brochure - Late | XXXX | There is no evidence in the file that the home equity brochure entitled What You Should Know About Home Equity Lines of Credit (or a suitable substitute) was provided to the borrower within XXXX business days of application. Truth In Lending Act (Regulation Z) 12 CFR 1026.40(e) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053586 | 2 of 4 | XXXX | XXXX | Compliance | HELOC Initial/Early Disclosure - Late | XXXX | The Initial HELOC Disclosure was not provided to the borrower within XXXX business days of application. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053586 | 3 of 4 | XXXX | XXXX | Compliance | HOC - Late | XXXX | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Real Estate Settlement Procedures Act (Regulation X)12 CFR 1024.20(a)(1) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053586 | 4 of 4 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053600 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053600 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053579 | 1 of 4 | XXXX | XXXX | Compliance | HELOC Brochure - Late | XXXX | There is no evidence in the file that the home equity brochure entitled What You Should Know About Home Equity Lines of Credit (or a suitable substitute) was provided to the borrower within XXXX business days of application. Truth In Lending Act (Regulation Z) 12 CFR 1026.40(e) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053579 | 2 of 4 | XXXX | XXXX | Compliance | HELOC Initial/Early Disclosure - Late | XXXX | The Initial HELOC Disclosure was not provided to the borrowers within XXXX business days of application. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053579 | 3 of 4 | XXXX | XXXX | Compliance | HOC - Late | XXXX | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a)(1) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053579 | 4 of 4 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053291 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053291 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053509 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053509 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053517 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053517 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053642 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053642 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053614 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053614 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053577 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053577 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053626 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053626 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053500 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 4 | 3 | |||||
| XXXX | 1000053500 | 2 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 4 | 3 | |||||
| XXXX | 1000053500 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal - Missing | XXXX | The appraisal is missing from the loan file. The Auditor was unable to review the appraisal report. XXXX is a first lien and an actual FNMA appraisal form is required per the rating agencies. File only contained a XXXX hybrid appraisal. | Upheld | Client | Rebuttal 1 (XX/XX/XXXX XX:XXAM) Interior inspection uploaded to combine with appraisal product on file. Rebuttal 2 (XX/XX/XXXX XX:XXPM) Interior |
Response 1 (XX/XX/XXXX XX:XXPM) Referenced documentation not received. (XXXX) Response 2 (XX/XX/XXXX XX:XXPM) A full appraisal is required. (XXXX) |
4 | 3 | 4 | 3 | ||
| XXXX | 1000053338 | 1 of 2 | XXXX | XXXX | Compliance | State Testing - Interest Rate | XXXX | This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% Interest Rate, the loan has a XXXX% Interest Rate. The loan fails the Interest Rate test by XXXX%. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000053338 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000053539 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053539 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053581 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053581 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053590 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053590 | 2 of 2 | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The subject is located in a PUD and the loan documentation in the file reflects monthly HOA dues of $XXXX; however, are not verified in the loan file. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) HOA |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053502 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053502 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053585 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053585 | 2 of 2 | XXXX | XXXX | Credit | Program Parameters - Other | XXXX | The subject loan does not meet Program Parameters. The subject property is listed as a PUD and the loan approval reflects the borrower pays $XXXX monthly in HOA dues. The loan file does not contain an HOA statement that verifies the HOA dues assessed to the subject property. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) HOA |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053506 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053506 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053542 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053542 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053640 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053640 | 2 of 3 | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | Per the Lenders approval, the HOA is $XXXX per month. The loan file contained no documentation to support the HOA monthly payment. Documentation is missing from the loan file. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) HOA |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053640 | 3 of 3 | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The file is missing a verification of mortgage for the primary residence XXXX E. XXXX XXXX, XXXX XXXX. The borrowers are purchasing a new primary along with subject transaction. Underwriter comments indicate an LE was provided for new primary PITIA; however, the loan file does not contain said LE to document the PITIA. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) le |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053531 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053531 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053493 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053493 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053510 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053510 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053552 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053552 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053508 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053508 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053402 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053402 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053477 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053477 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053411 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053411 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053570 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053570 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053601 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053601 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053562 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053562 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053545 | 1 of 3 | XXXX | XXXX | Compliance | Note - Missing | XXXX | The Note is missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) note and Rtc |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053545 | 2 of 3 | XXXX | XXXX | Compliance | ROR - Missing | XXXX | There is no evidence in the file that the Right to Cancel Notice was provided to the borrower and/or all consumers with a right to rescind. Truth in XXXX (Regulation Z) 12 CFR 1026.23(b), (a)(1) | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) uploaded |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053545 | 3 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053496 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053496 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053596 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053596 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053575 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053575 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053549 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053549 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053454 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053454 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053593 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053593 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053607 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053607 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053514 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053514 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053602 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053602 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053521 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053521 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053494 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053494 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053644 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053644 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053627 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053627 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053633 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000053633 | 2 of 2 | XXXX | XXXX | Credit | Income - Insufficient Documentation | XXXX | The lender used secondary income for B2 in the amount of $XXXX/month reflected as XXXX benefits (non educational) on the loan application; however, no documentation was provided in the loan file. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) XXXX doc uploaded |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000053649 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053649 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053643 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053643 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053638 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000053638 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066703 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000066703 | 2 of 2 | XXXX | XXXX | Credit | Income - Pay Stubs | XXXX | The borrower's income is not reflected accurately on the XXXX provided and paystubs were required. The paystubs provided are illegible and cannot be accurately used to calculate income. Without the borrower's income, the DTI exceeds the maximum DTI of XXXX%. Legible paystubs are required. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) The paystubs are legible on our end. There may have been an issue with the upload. Uploaded here, let us know if these are legible. |
Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000066561 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066561 | 2 of 2 | XXXX | XXXX | Credit | Program Parameters - Property Type | XXXX | The guidelines indicate working farms and ranches are an ineligible property type. The subject is a rural property, XXXX acres, zoned as agricultural. The borrower's tax returns reflect farming income is received. | Void | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Farm income is not allowed to be used to qualify. Hobby farms are not ineligible. Farm income is .XXXX% of the total qualifying income. This does not make the loan ineligible. |
Response 1 (XX/XX/XXXX XX:XXAM) Explanation received is sufficient. (Void) |
1 | 1 | 1 | 1 | ||
| XXXX | 1000066562 | 1 of 2 | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | The loan failed the XXXX prohibited lender fees test. This test includes the following fee: Mortgage Broker Fee (Direct). The loan fails the prohibited fees test by $XXXX. (XXXX Finance Code §XXXX, XXXX XXXX ADC §XXXX) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000066562 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000066511 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066511 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066492 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066492 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066578 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066578 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066706 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066706 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066542 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066542 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066580 | 1 of 3 | XXXX | XXXX | Compliance | Note - Missing Signature | XXXX | The Note was not fully executed by the borrowers. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) Executed Signed Loan Closing Package uploaded |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000066580 | 2 of 3 | XXXX | XXXX | Compliance | Security Instrument - Missing Signature | XXXX | The Security Instrument was not fully executed by all required parties. The borrower, co-borrower, and notary signatures were missing. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXAM) Executed Signed Loan Closing Package uploaded |
Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000066580 | 3 of 3 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000066583 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066583 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066547 | 1 of 4 | XXXX | XXXX | Compliance | HELOC Brochure - Late | XXXX | There is no evidence in the file that the home equity brochure entitled What You Should Know About Home Equity Lines of Credit (or a suitable substitute) was provided to the borrower within XXXX business days of application. Truth In Lending Act (Regulation Z) 12 CFR 1026.40(e) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000066547 | 2 of 4 | XXXX | XXXX | Compliance | HELOC Initial/Early Disclosure - Late | XXXX | The Initial HELOC Disclosure was not provided to the borrower/s within XXXX business days of application. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000066547 | 3 of 4 | XXXX | XXXX | Compliance | HOC - Late | XXXX | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a)(1) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000066547 | 4 of 4 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000066531 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066531 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066513 | 1 of 4 | XXXX | XXXX | Compliance | HELOC Brochure - Late | XXXX | There is no evidence in the file that the home equity brochure entitled What You Should Know About Home Equity Lines of Credit (or a suitable substitute) was provided to the borrower within XXXX business days of application. Truth In Lending Act (Regulation Z) 12 CFR 1026.40(e) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000066513 | 2 of 4 | XXXX | XXXX | Compliance | HELOC Initial/Early Disclosure - Late | XXXX | The Initial HELOC Disclosure was not provided to the borrower/s within XXXX business days of application. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000066513 | 3 of 4 | XXXX | XXXX | Compliance | HOC - Late | XXXX | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a)(1) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000066513 | 4 of 4 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000066584 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066584 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066478 | 1 of 4 | XXXX | XXXX | Compliance | HELOC Brochure - Late | XXXX | There is no evidence in the file that the home equity brochure entitled What You Should Know About Home Equity Lines of Credit (or a suitable substitute) was provided to the borrower within XXXX business days of application. Truth In Lending Act (Regulation Z) 12 CFR 1026.40(e) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000066478 | 2 of 4 | XXXX | XXXX | Compliance | HELOC Initial/Early Disclosure - Late | XXXX | The Initial HELOC Disclosure was not provided to the borrower/s within XXXX business days of application. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000066478 | 3 of 4 | XXXX | XXXX | Compliance | HOC - Late | XXXX | The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within XXXX days of the application date, XX/XX/XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a)(1) | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000066478 | 4 of 4 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000066565 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066565 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066566 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066566 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066548 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000066548 | 2 of 2 | XXXX | XXXX | Credit | Debts - Not Verified | XXXX | The Loan Application reflected HOA Dues of $XXXX per month for XXXX. Documentation of HOA fees could not be located in the file. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Please see HOA statement |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000066585 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066585 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066515 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066515 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066517 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066517 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066713 | 1 of 2 | XXXX | XXXX | Compliance | State Testing - Prohibited Fees | XXXX | This loan failed the prohibited fees test. The loan contains one or more prohibited fees. Fees not otherwise permitted by law may not be charged or collected in a secondary mortgage loan transaction. Fees not authorized to be charged or collected include, but are not limited to, commitment fees, broker fees that increase the consideration paid by the borrower, pay off statement fees, prepayment penalties, fax fee, courier fees, and escrow management fees. (XXXX XXXX ADC §XXXX). Fee included in the test: Broker Fee $XXXX | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000066713 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000066496 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066496 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066497 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066497 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066715 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000066715 | 2 of 2 | XXXX | XXXX | Credit | Income - Miscalculated/DTI Exceeds Tolerance | XXXX | The income is miscalculated on the borrowers, however the recalculated DTI is not within allowable tolerances (XXXX%) or DTI MAX. The lender did not deduct the $XXXX in mortgage notes/ bonds payable in less than XXXXyr reflected on the XXXX XXXXS schedule XXXX The income miscalculation resulted in the DTI increasing from XXXX% to XXXX%. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) When the $XXXX in incorporated in accordance with the %ownership for each borrower DTI is XXXX%. The underwriter did not include because the business assets in box F are greater than the mortgage due within XXXX year figure. |
Response 1 (XX/XX/XXXX XX:XXPM) Notes due in less than XXXX year has been reduced by liquid assets, resulting in a qualifying DTI of XXXX%. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000066716 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066716 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066499 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066499 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066662 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066662 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066570 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066570 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066664 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066664 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066665 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066665 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066553 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066553 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066618 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066618 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066538 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066538 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066718 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066718 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066648 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066648 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066622 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066622 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066554 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066554 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066601 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066601 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066720 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066720 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066556 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066556 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066626 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066626 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066487 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066487 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066488 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066488 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066605 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066605 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066628 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066628 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066606 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066606 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066692 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066692 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066655 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066655 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066611 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066611 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066635 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066635 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066678 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066678 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066596 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066596 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066699 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066699 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066680 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000066680 | 2 of 2 | XXXX | XXXX | Credit | Credit Report - Other | XXXX | There are additional credit findings. Credit score from XXXX is frozen for the co-borrower and guidelines state the loan file must not have frozen credit. A new credit report with un-frozen score from XXXX is required for the co-borrower. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Credit unfrozen and report pulled for co-borrower. |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000066723 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066723 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066641 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066641 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066643 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066643 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066683 | 1 of 2 | XXXX | XXXX | Compliance | State Testing - Interest Rate | XXXX | This loan failed the Interest Rate test. The loan has an Interest Rate that does not conform to the requirements for the lender's license type in the state where the property is located. The state regulation of XXXX allows for a maximum XXXX% Interest Rate, the loan has a XXXX% Interest Rate. The loan fails the Interest Rate test by XXXX%. | Client | 2 | 2 | 2 | 2 | |||||
| XXXX | 1000066683 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 2 | 2 | |||||
| XXXX | 1000066690 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066690 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066676 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066676 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066684 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 3 | 1 | |||||
| XXXX | 1000066684 | 2 of 2 | XXXX | XXXX | Credit | DTI - Exceeds Guidelines | XXXX | A garnished child support obligation appears on the borrower's weekly paystub in the amount of $XXXX per pay period. The lender did not include this obligation in the origination DTI of XXXX% and the loan file does not include documentation to support the omission of this debt. The audit underwriter added the garnished child support obligation resulting in the final DTI of XXXX% which exceeds the maximum program DTI of XXXX%. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) When sales override income is used for XXXX and XXXX, DTI is in line when including $XXXX monthly child support payment. |
Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
3 | 1 | 3 | 1 | ||
| XXXX | 1000066691 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066691 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066677 | 1 of 2 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000066677 | 2 of 2 | XXXX | XXXX | Credit | No Credit Findings | XXXX | The loan meets all applicable credit guidelines. | Not Applicable | 1 | 1 | 1 | 1 | |||||
| XXXX | 1000029479 | 1 of 2 | XXXX | XXXX | Compliance | HELOC Initial/Early Disclosure - Missing | XXXX | The loan file does not contain the initial HELOC disclosure. | Client | 2 | 2 | 3 | 2 | |||||
| XXXX | 1000029479 | 2 of 2 | XXXX | XXXX | Credit | Hazard Insurance - Missing/Insufficient | XXXX | The loan file is wholesale and does not contain evidence of hazard insurance with "XXXX" listed as loss payee as required per guidelines. | Resolved | Not Applicable | Rebuttal 1 (XX/XX/XXXX XX:XXPM) File is done through our Correspondent Channel. Insurance Requirements for the amount of coverage apply, but not that XXXX is named on the policy. |
Response 1 (XX/XX/XXXX XX:XXAM) Originator is named as additional interest on the HOI evidence. (Resolved) |
3 | 1 | 3 | 2 |