Exhibit 99.6
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406126 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406126 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406126 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406127 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406127 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406127 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406128 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406128 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406128 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406129 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406129 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406129 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406130 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406130 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406130 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406131 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406131 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406131 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406132 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406132 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406132 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406133 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406133 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406133 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406134 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406134 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406134 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406135 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406135 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406135 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406136 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument — Inaccurate | XXXX | The security instrument was not completed accurately. The Pud rider did not have the name of association on it. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406136 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406136 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406137 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406137 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406137 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406138 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406138 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406138 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406139 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406139 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406139 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406140 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406140 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406140 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406141 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406141 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406141 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406142 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406142 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406142 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406143 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406143 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406143 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406144 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406144 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406144 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406145 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406145 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406145 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406146 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406146 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406146 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406147 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406147 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406147 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406148 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406148 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406148 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406149 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406149 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406149 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406150 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406150 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406150 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406151 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406151 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406151 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406152 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406152 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406152 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406153 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406153 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406153 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406154 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406154 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406154 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406155 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406155 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406155 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406156 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406156 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406156 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406157 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406157 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406157 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406158 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406158 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406158 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406159 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406159 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406159 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406160 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406160 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406160 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406161 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406161 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406161 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406162 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406162 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406162 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406163 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406163 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406163 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406164 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406164 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406164 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406165 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406165 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406165 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406166 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406166 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406166 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406167 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406167 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406167 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406168 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406168 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406168 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406169 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406169 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406169 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406170 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406170 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406170 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406171 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406171 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406171 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406172 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406172 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406172 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406173 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406173 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406173 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406174 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406174 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406174 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406175 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406175 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406175 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406176 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406176 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406176 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406177 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406177 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406177 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406178 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406178 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406178 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406179 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406179 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406179 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406180 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406180 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406180 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406181 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406181 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406181 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406182 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406182 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406182 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406183 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406183 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406183 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406184 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406184 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406184 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406185 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406185 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406185 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406186 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406186 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406186 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406187 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406187 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406187 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406188 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406188 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406188 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406189 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406189 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406189 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406190 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406190 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406190 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406191 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406191 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406191 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406192 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406192 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406192 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406193 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406193 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406193 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406194 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406194 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406194 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406195 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406195 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406195 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406196 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406196 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406196 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406197 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406197 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406197 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406198 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406198 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406198 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406199 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406199 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406199 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406200 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406200 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406200 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406201 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406201 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406201 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406202 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406202 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406202 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406203 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406203 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406203 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406204 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406204 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406204 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406205 | 1 of 3 | XXXX | XXXX | Compliance | HOC — Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. Real Estate Settlement Procedures Act (Regulation X)12 CFR XXXX | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406205 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406205 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406206 | 1 of 3 | XXXX | XXXX | Compliance | HOC — Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest homeownership counseling agencies available to the applicant’s location. Regulation requires the lender to provide a clear and conspicuous written list of ten homeownership counseling organizations that offer relevant services in the applicant’s area. This is a violation of the Real Estate Settlement Procedures Act (Regulation X), 12 CFR §XXXX. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406206 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406206 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406207 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406207 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406207 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406208 | 1 of 3 | XXXX | XXXX | Compliance | HOC — Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. Real Estate Settlement Procedures Act (Regulation X)12 CFR XXXX | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406208 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406208 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406209 | 1 of 3 | XXXX | XXXX | Compliance | HOC — Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. Real Estate Settlement Procedures Act (Regulation X)12 CFR XXXX | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406209 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406209 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406210 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406210 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406210 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406211 | 1 of 3 | XXXX | XXXX | Compliance | HOC — Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406211 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406211 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406212 | 1 of 3 | XXXX | XXXX | Compliance | HOC — Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. Per https://www.consumerfinance.gov/find-a-housing-counselor/zipcode=XXXX closer agencies were available: XXXX. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406212 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406212 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406213 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406213 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406213 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406214 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406214 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406214 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406215 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406215 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406215 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406216 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406216 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406216 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406217 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406217 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406217 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406218 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406218 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406218 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406219 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406219 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406219 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406221 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406221 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406221 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406222 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406222 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406222 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406223 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406223 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406223 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406224 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406224 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406224 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406225 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406225 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406225 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406226 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406226 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406226 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406227 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument — Name Discrepancy | XXXX | ?The loan file does not include documentation confirming the vested interest on the XXXX or the Borrower’s ownership of the subject property. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded copy oftransfer deed showing ownership |
Response 1 (XX/XX/XXXX XX:XXPM) The transfer deed provided is sufficient to cure the exception. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8406227 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8406227 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8406228 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406228 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406228 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406229 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406229 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406229 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406230 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406230 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406230 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406231 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406231 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406231 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406232 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406232 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406232 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406233 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406233 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406233 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406234 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406234 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406234 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406235 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406235 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406235 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406236 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406236 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406236 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406237 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406237 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406237 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406238 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406238 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406238 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406239 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406239 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406239 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406240 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406240 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406240 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406241 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406241 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406241 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406242 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406242 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406242 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406243 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406243 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406243 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406244 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406244 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406244 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406245 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406245 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406245 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406246 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406246 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406246 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406247 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406247 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406247 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406248 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406248 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406248 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406249 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406249 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406249 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406250 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406250 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406250 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406251 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406251 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406251 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406252 | 1 of 3 | XXXX | XXXX | Compliance | HOC — Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. Per https://www.consumerfinance.gov/find-a-housing-counselor/?zipcode=XXXX closer agencies were available: | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406252 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406252 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406253 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406253 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406253 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406254 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406254 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406254 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406255 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406255 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406255 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406256 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406256 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406256 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406257 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406257 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406257 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406258 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406258 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406258 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406259 | 1 of 3 | XXXX | XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the brokerage/finder fee test. (XXXX. Comp. R. & Regs. XXXX-XXXX-XXXX(XXXX)) The mortgage loan charges a brokerage/finder fee that exceeds XXXX% of the total loan amount. Under the XXXX Rules and Regulations, brokerage fee is synonymous with finder fee. The maximum amount allowed was $XXXX and the loan shows $XXXX was charged. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406259 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406259 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406260 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406260 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406260 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406261 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406261 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406261 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406262 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406262 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406262 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406263 | 1 of 3 | XXXX | XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the brokerage/finder fee test. (XXXX. Comp. R. & Regs. XXXX-XXXX-XXXX(XXXX)) The mortgage loan charges a brokerage/finder fee that exceeds XXXX% of the total loan amount. Under the XXXX Rules and Regulations, brokerage fee is synonymous with finder fee. The maximum amount allowed was $XXXX and the loan shows $XXXX was charged. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406263 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406263 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406264 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406264 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406264 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406265 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406265 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406265 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406266 | 1 of 3 | XXXX | XXXX | Compliance | HOC — Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406266 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406266 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406267 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406267 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406267 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406268 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406268 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406268 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406269 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406269 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406269 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406270 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406270 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406270 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406271 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406271 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406271 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406272 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406272 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406272 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406273 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406273 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406273 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406274 | 1 of 3 | XXXX | XXXX | Compliance | HOC — Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. Per https:XXXX/?zipcode=XXXX | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406274 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406274 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406275 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406275 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406275 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406276 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406276 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406276 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406277 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406277 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406277 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406278 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406278 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406278 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406279 | 1 of 3 | XXXX | XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the brokerage/finder fee test. (XXXX. Comp. R. & Regs. XXXX-XXXX-XXXX(XXXX)) The mortgage loan charges a brokerage/finder fee that exceeds XXXX% of the total loan amount. Under the XXXX Rules and Regulations, brokerage fee is synonymous with finder fee. The maximum amount allowed was $XXXX and the loan shows $XXXX was charged. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406279 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406279 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406280 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406280 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406280 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406281 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406281 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406281 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406282 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406282 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406282 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406283 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406283 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406283 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406284 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406284 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406284 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406285 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406285 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406285 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406286 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406286 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406286 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406287 | 1 of 3 | XXXX | XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the brokerage/finder fee test. (XXXX. Comp. R. & Regs. XXXX-XXXX-XXXX(XXXX)) The mortgage loan charges a brokerage/finder fee that exceeds XXXX% of the total loan amount. Under the XXXX Rules and Regulations, brokerage fee is synonymous with finder fee. The maximum amount allowed was $XXXX and the loan shows $XXXX was charged. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406287 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406287 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406288 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406288 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406288 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406289 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406289 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406289 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406290 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406290 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406290 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406291 | 1 of 3 | XXXX | XXXX | Compliance | Note — Missing Signature | XXXX | The Note was not fully executed by the borrower. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406291 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406291 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406292 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406292 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406292 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406293 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406293 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406293 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406294 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406294 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406294 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406295 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406295 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406295 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406296 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406296 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406296 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406297 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406297 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406297 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406298 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406298 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406298 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406299 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406299 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406299 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406300 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406300 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406300 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406301 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406301 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406301 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406302 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406302 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406302 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406303 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406303 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406303 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406304 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406304 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406304 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406305 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406305 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406305 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406306 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406306 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406306 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406307 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406307 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406307 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406308 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406308 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406308 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406309 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406309 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406309 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406310 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406310 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406310 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406311 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406311 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406311 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406312 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406312 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406312 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406313 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406313 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406313 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406314 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406314 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406314 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406315 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406315 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406315 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406316 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406316 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406316 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406317 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406317 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406317 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406318 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406318 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406318 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406319 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406319 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406319 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406320 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406320 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406320 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406321 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406321 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406321 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406322 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406322 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406322 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406323 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406323 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406323 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406324 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406324 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406324 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406325 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406325 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406325 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406326 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406326 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406326 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406327 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406327 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406327 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406328 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406328 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406328 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406329 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406329 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406329 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406330 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406330 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406330 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406331 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406331 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406331 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406332 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406332 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406332 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406333 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406333 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406333 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406334 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406334 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406334 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406335 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406335 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406335 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406336 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406336 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406336 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406337 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406337 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406337 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406338 | 1 of 3 | XXXX | XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the brokerage/finder fee test. (XXXX. Comp. R. & Regs. XXXX-XXXX-XXXX(XXXX)) The mortgage loan charges a brokerage/finder fee that exceeds XXXX% of the total loan amount. Under the XXXX Rules and Regulations, brokerage fee is synonymous with finder fee. The maximum amount allowed was $XXXX and the note shows $XXXX was charged. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406338 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406338 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406339 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406339 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406339 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406340 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406340 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406340 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406341 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406341 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406341 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406342 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406342 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406342 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406343 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406343 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406343 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406344 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406344 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406344 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406345 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406345 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406345 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406346 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406346 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406346 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406347 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406347 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406347 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406348 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406348 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406348 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406349 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406349 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406349 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406350 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406350 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406350 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406351 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406351 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406351 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406352 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406352 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406352 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406353 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406353 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406353 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406354 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406354 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406354 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406355 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406355 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406355 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406356 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument — Name Discrepancy | XXXX | The borrower name on the Security Instrument is inconsistent with vesting. Per valuation current vested owners are XXXX and XXXX. Subject mortgage is in name of XXXX only. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded copy ofdeath certificate of XXXX |
Response 1 (XX/XX/XXXX XX:XXPM) The Copy of death certificate provided is sufficient to cure the exception. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8406356 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8406356 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8406357 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406357 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406357 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406358 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406358 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406358 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406359 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406359 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406359 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406360 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406360 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406360 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406361 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406361 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406361 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406362 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406362 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406362 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406363 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406363 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406363 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406364 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406364 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406364 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406365 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406365 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406365 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406366 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406366 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406366 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406367 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406367 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406367 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406368 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406368 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406368 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406369 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406369 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406369 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406370 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406370 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406370 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406371 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406371 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406371 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406372 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406372 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406372 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406373 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406373 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406373 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406374 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406374 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406374 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406375 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406375 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406375 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406376 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406376 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406376 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406377 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406377 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406377 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406378 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406378 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406378 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406379 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406379 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406379 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406380 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406380 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406380 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406381 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406381 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406381 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406382 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406382 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406382 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406383 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406383 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406383 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406384 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406384 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406384 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406385 | 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 Non Borrower’s date of notary acknowledgment is incomplete. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406385 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406385 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406386 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406386 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406386 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406387 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406387 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406387 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406388 | 1 of 3 | XXXX | XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the brokerage/finder fee test. (XXXX. Comp. R. & Regs. XXXX-XXXX-XXXX(XXXX)) The mortgage loan charges a brokerage/finder fee that exceeds XXXX% of the total loan amount. Under the XXXX Rules and Regulations, brokerage fee is synonymous with finder fee. The maximum amount allowed was $XXXX and the note shows $XXXX was charged. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406388 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406388 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406389 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406389 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406389 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406390 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406390 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406390 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406391 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406391 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406391 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406392 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406392 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406392 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406393 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406393 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406393 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406394 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406394 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406394 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406395 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406395 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406395 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406396 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406396 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406396 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406397 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406397 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406397 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406398 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406398 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406398 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406399 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406399 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406399 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406400 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406400 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406400 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406401 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406401 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406401 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance, the AVM resulted in a No Hit. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406402 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406402 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406402 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406403 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406403 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406403 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406404 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406404 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406404 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406405 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406405 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406405 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406406 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406406 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406406 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406407 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406407 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406407 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406408 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406408 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406408 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406409 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406409 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406409 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406410 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406410 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406410 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406411 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406411 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406411 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406412 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406412 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406412 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406413 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406413 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406413 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406414 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406414 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406414 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406415 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406415 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406415 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406416 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406416 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406416 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406417 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406417 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406417 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406418 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406418 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406418 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406419 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406419 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406419 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406420 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406420 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406420 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406421 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406421 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406421 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406422 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406422 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406422 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406423 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406423 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406423 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406424 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406424 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406424 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406425 | 1 of 3 | XXXX | XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the brokerage/finder fee test. (XXXX. Comp. R. & Regs. XXXX-XXXX-XXXX(XXXX)) The mortgage loan charges a brokerage/finder fee that exceeds XXXX% of the total loan amount. Under the XXXX Rules and Regulations, brokerage fee is synonymous with finder fee. The maximum amount allowed was $XXXX and the note shows $XXXX was charged. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406425 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406425 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406426 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406426 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406426 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406427 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406427 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406427 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406428 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406428 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406428 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406429 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406429 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406429 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406430 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406430 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406430 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406431 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406431 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406431 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406432 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406432 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406432 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406433 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406433 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406433 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406434 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406434 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406434 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406435 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406435 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406435 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406436 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406436 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406436 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406437 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406437 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406437 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406438 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406438 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406438 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406439 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406439 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406439 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406440 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406440 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406440 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406441 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406441 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406441 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406442 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406442 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406442 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406443 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument — Name Discrepancy | XXXX | The loan file does not include documentation confirming the vested interest on the XXXX or the Borrower’s ownership of the subject property. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded quit claimdeed and divorce Decree |
Response 1 (XX/XX/XXXX XX:XXPM) Uploaded quit claim deed and divorce Decree provided are sufficient to cure the exception. (Resolved) |
3 | 1 | 3 | 1 | |||||||||||||||||||
| XXXX |
8406443 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8406443 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 1 | ||||||||||||||||||||||
| XXXX |
8406444 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406444 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406444 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406445 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406445 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406445 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406446 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406446 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406446 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406447 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406447 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406447 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406448 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406448 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406448 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406449 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406449 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406449 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406450 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406450 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406450 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406451 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406451 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406451 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406452 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406452 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406452 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406453 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406453 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406453 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406454 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406454 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406454 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406455 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406455 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406455 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406456 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406456 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406456 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406457 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406457 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406457 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406458 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406458 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406458 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406459 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406459 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406459 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406460 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406460 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406460 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406461 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406461 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406461 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406462 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406462 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406462 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406463 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406463 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406463 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406464 | 1 of 3 | XXXX | XXXX | Compliance | HOC — Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest agencies available in the applicant’s location. Per Regulation, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant’s location. There are no agencies listed. Real Estate Settlement Procedures Act (Regulation X)12 CFR XXXX | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406464 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406464 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406465 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406465 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406465 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406466 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406466 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406466 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406467 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406467 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406467 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406468 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406468 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406468 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406469 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406469 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406469 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406470 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406470 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406470 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406471 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406471 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406471 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406472 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406472 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406472 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406473 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406473 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406473 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406474 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406474 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406474 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406475 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406475 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406475 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406476 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406476 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406476 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406477 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406477 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406477 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406478 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406478 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406478 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406479 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406479 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406479 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406480 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406480 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406480 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406481 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406481 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406481 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406482 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406482 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406482 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406483 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406483 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406483 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406484 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406484 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406484 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406485 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406485 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406485 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406486 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406486 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406486 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406487 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406487 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406487 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406488 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406488 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406488 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406489 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406489 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406489 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406490 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406490 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406490 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406491 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406491 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406491 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406492 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406492 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406492 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406493 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406493 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406493 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406494 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406494 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406494 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406495 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406495 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406495 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406496 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406496 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406496 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406497 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406497 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406497 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406498 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406498 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406498 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406499 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406499 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406499 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406500 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406500 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406500 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406501 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406501 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406501 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406502 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406502 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406502 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406503 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406503 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406503 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406504 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406504 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406504 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406505 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406505 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406505 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406506 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406506 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406506 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406507 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406507 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406507 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406508 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406508 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406508 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406509 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406509 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406509 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406510 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406510 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406510 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406511 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406511 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406511 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406512 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406512 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406512 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406513 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406513 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406513 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406514 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406514 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406514 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406515 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406515 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406515 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406516 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406516 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406516 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406517 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406517 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406517 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406518 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406518 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406518 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406519 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406519 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406519 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406520 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406520 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406520 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406521 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406521 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406521 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406522 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406522 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406522 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406523 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406523 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406523 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406524 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406524 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406524 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406525 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406525 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406525 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406526 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406526 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406526 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406527 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406527 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406527 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406528 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406528 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406528 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406529 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406529 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406529 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406530 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406530 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406530 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406531 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406531 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406531 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406532 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406532 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406532 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406533 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406533 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406533 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406534 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406534 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406534 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406535 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406535 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406535 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406536 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406536 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406536 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406537 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406537 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406537 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406538 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406538 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406538 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406539 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406539 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406539 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406540 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406540 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406540 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406541 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406541 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406541 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406542 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406542 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406542 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406543 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406543 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406543 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406544 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406544 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406544 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406545 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406545 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406545 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406546 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406546 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406546 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406547 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406547 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406547 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406548 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406548 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406548 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406549 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406549 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406549 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406550 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406550 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406550 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406551 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406551 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406551 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406552 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406552 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406552 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406553 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406553 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406553 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406554 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406554 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406554 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406555 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406555 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406555 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406556 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406556 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406556 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406557 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406557 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406557 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406558 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406558 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406558 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406559 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406559 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406559 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406560 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406560 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406560 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406561 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406561 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406561 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406562 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406562 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406562 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406563 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406563 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406563 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406564 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406564 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406564 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406565 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406565 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406565 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406566 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406566 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406566 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406567 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406567 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406567 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406568 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406568 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406568 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406569 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406569 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406569 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406570 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406570 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406570 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406571 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406571 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406571 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406572 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406572 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406572 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406573 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406573 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406573 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406574 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406574 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406574 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406575 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406575 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406575 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406576 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406576 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406576 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406577 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406577 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406577 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406578 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406578 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406578 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406579 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406579 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406579 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406580 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406580 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406580 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406581 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406581 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406581 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406582 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406582 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406582 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406583 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406583 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406583 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406584 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406584 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406584 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406585 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406585 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406585 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406586 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406586 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406586 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406587 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406587 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406587 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406588 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406588 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406588 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406589 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406589 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406589 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406590 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406590 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406590 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406591 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406591 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406591 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406592 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406592 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406592 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406593 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406593 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406593 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406594 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406594 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406594 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406595 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406595 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406595 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406596 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406596 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406596 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406597 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406597 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406597 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406598 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406598 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406598 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406599 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406599 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406599 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406600 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406600 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406600 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406601 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406601 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406601 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406602 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406602 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406602 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406603 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406603 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406603 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406604 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406604 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406604 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406605 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406605 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406605 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406606 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406606 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406606 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406607 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406607 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406607 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406608 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406608 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406608 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406609 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406609 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406609 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406610 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406610 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406610 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406611 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406611 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406611 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406612 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406612 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406612 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406613 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406613 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406613 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406614 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406614 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406614 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406615 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406615 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406615 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406616 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406616 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406616 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406617 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406617 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406617 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406618 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406618 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406618 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406619 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406619 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406619 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406620 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406620 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406620 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406621 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406621 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406621 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406622 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406622 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406622 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406623 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406623 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406623 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406624 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406624 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406624 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406625 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406625 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406625 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406626 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406626 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406626 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406627 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406627 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406627 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406628 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406628 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406628 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406629 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406629 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406629 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406630 | 1 of 3 | XXXX | XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. This loan failed the brokerage/finder fee test. (XXXX. Comp. R. & Regs. XXXX-XXXX-XXXX(XXXX)) The mortgage loan charges a brokerage/finder fee that exceeds XXXX% of the total loan amount. Under the XXXX Rules and Regulations, brokerage fee is synonymous with finder fee. The maximum amount allowed was $XXXX and the note shows $XXXX was charged. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406630 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406630 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406631 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406631 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406631 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406632 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406632 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406632 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406633 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406633 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406633 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406634 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406634 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406634 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406635 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406635 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406635 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406636 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406636 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406636 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406637 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406637 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406637 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406638 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406638 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406638 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406639 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406639 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406639 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406640 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406640 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406640 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406641 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406641 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406641 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406642 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406642 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406642 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406643 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406643 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406643 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406644 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406644 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406644 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406645 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406645 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406645 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406646 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406646 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406646 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406647 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406647 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406647 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406648 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406648 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406648 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406649 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406649 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406649 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406650 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406650 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406650 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406651 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406651 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406651 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406652 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406652 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406652 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406653 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406653 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406653 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406654 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406654 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406654 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406655 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406655 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406655 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406656 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406656 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406656 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406657 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406657 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406657 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406658 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406658 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406658 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406659 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406659 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406659 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406660 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406660 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406660 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406661 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406661 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406661 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406662 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406662 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406662 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406663 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406663 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406663 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406664 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406664 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406664 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406665 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406665 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406665 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406666 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406666 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406666 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406667 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406667 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406667 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406668 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406668 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406668 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406669 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406669 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406669 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406671 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406671 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406671 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406672 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406672 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406672 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406673 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406673 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406673 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406674 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406674 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406674 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406675 | 1 of 3 | XXXX | XXXX | Compliance | State Testing | XXXX | The file failed one or more of the state threshold tests. The loan failed the origination fee test. (XXXX § XXXX-3301(e)(1)-(XXXX)) The loan has an origination fee that is greater than XXXX% of the loan’s principal. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406675 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406675 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406676 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406676 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406676 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406677 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406677 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406677 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406678 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406678 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406678 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406679 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406679 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406679 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406680 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406680 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406680 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406681 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406681 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406681 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406682 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406682 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406682 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406683 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406683 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406683 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406684 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406684 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406684 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406685 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406685 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406685 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406686 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406686 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406686 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406687 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406687 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406687 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406688 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument — Incomplete | XXXX | The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: XXXX is missing the Condo Community name. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406688 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406688 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406689 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406689 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406689 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406690 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406690 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406690 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406691 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406691 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406691 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406692 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406692 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406692 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406693 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406693 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406693 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406694 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406694 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406694 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406695 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406695 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406695 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406696 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406696 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406696 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406697 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument — Non-Borrowing Spouse/Missing | XXXX | The Security Instrument was not executed by the non-borrower. According to the new mortgage XXXX is married but is not married to the other signing party XXXX. In XXXX, the spouse for XXXX is required to sign the mortgage | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406697 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406697 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406698 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406698 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406698 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406699 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406699 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406699 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406700 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406700 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406700 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406701 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406701 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406701 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406702 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406702 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406702 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406703 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406703 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406703 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406704 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406704 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406704 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406705 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406705 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406705 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406706 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406706 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406706 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406707 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406707 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406707 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406708 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406708 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406708 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406709 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406709 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406709 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406710 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406710 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406710 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406711 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406711 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406711 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406712 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406712 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406712 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406713 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406713 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406713 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406714 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406714 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406714 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406715 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406715 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406715 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406716 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406716 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406716 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406717 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406717 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406717 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406718 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406718 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406718 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406719 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406719 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406719 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406720 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406720 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406720 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406721 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406721 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406721 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406722 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406722 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406722 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406723 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406723 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406723 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406724 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406724 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406724 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406725 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406725 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406725 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406726 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406726 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406726 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406727 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406727 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406727 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406728 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406728 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406728 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406729 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406729 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406729 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406730 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406730 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406730 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406731 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406731 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406731 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406732 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406732 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406732 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406733 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406733 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406733 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406734 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406734 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406734 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406735 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406735 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406735 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406736 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406736 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406736 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406737 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406737 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406737 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406738 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406738 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406738 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406739 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406739 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406739 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406740 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406740 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406740 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406741 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406741 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406741 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406742 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406742 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406742 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406743 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406743 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406743 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406744 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406744 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406744 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406745 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406745 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406745 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406746 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406746 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406746 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406747 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406747 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406747 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406748 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406748 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406748 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406749 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406749 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406749 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406750 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406750 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406750 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406751 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406751 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406751 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406752 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406752 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406752 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406753 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406753 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406753 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406754 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406754 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406754 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406755 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406755 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406755 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406756 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406756 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406756 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406757 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406757 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406757 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406758 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406758 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406758 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406759 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406759 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406759 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406760 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406760 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406760 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406761 | 1 of 3 | XXXX | XXXX | Compliance | Compliance Finding — Other | XXXX | There are additional XXXX. There is a Statement of Credit Denial in the file. The letter states that the lender is denying the application due to insufficient time since the property was last purchased. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Per communicationlog, application was initially declined in error on XXXX/XXXX due to insufficientproperty ownership time, but the property has been held since XXXX by borrowerand was transferred from borrower’s sole ownership -> borrower’s trustownership in September XXXX. Okay to bypass XXXX day wait period as borrowerowned the property prior to transfer to trust so application was re-opened.Uploaded copy of communication log for reference. |
Response 1 (XX/XX/XXXX XX:XXPM) The information provided is sufficient to cure the exception. (Resolved) |
3 | 1 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406761 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406761 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406762 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406762 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406762 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406763 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406763 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406763 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406764 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406764 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406764 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406765 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406765 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406765 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406766 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406766 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406766 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406767 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406767 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406767 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406768 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406768 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406768 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406769 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406769 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406769 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406770 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406770 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406770 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406771 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406771 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406771 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406772 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406772 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406772 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406773 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406773 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406773 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406774 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406774 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406774 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406775 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406775 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406775 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406776 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406776 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406776 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406777 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406777 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406777 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406778 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406778 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406778 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406779 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406779 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406779 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406780 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406780 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406780 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406781 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406781 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406781 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406782 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406782 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406782 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406783 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406783 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406783 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406784 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406784 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406784 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406785 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406785 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406785 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406787 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406787 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406787 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406788 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406788 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406788 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406789 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406789 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406789 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406790 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406790 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406790 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406791 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406791 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406791 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406792 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406792 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406792 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406793 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406793 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406793 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM requested |
Response 1 (XX/XX/XXXX XX:XXAM) The AVM did not support the origination value within a 10% variance, the AVM resulted in a no hit. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406794 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406794 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406794 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406795 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406795 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406795 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406796 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406796 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406796 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406797 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406797 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406797 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406798 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406798 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406798 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406799 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406799 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406799 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406800 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406800 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406800 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406801 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406801 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406801 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406802 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406802 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406802 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406803 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406803 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406803 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406804 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406804 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406804 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406805 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406805 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406805 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406806 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406806 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406806 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406807 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406807 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406807 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406808 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406808 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406808 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406809 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406809 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406809 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406810 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406810 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406810 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406811 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406811 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 2 | ||||||||||||||||||||||
| XXXX |
8406811 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Resolved | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did support the origination value within 10%. (Resolved) |
3 | 2 | 3 | 2 | |||||||||||||||||||
| XXXX |
8406812 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406812 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406812 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406813 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406813 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406813 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406814 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406814 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406814 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406815 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406815 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406815 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406816 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406816 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406816 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406817 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406817 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406817 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406818 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406818 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406818 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406819 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406819 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406819 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406820 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406820 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406820 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406821 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406821 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406821 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406822 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406822 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406822 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406823 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406823 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406823 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406824 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406824 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406824 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406825 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406825 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406825 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406826 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406826 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406826 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406827 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406827 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406827 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406828 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406828 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406828 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406829 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406829 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406829 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406830 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406830 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406830 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406831 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406831 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406831 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406832 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406832 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406832 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406833 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406833 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406833 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406834 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406834 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406834 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406835 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406835 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406835 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406836 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406836 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406836 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406837 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406837 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406837 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406838 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406838 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406838 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406839 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406839 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406839 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406840 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406840 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406840 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406841 | 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 PUD Rider provided in the loan file is incomplete. The name of the association is missing from the document. | 3 | 3 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406841 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406841 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406842 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406842 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406842 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406843 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406843 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406843 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406844 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406844 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406844 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406845 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406845 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406845 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406846 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406846 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406846 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406847 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406847 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406847 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406848 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406848 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406848 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406849 | 1 of 3 | XXXX | XXXX | Compliance | Security Instrument — Name Discrepancy | XXXX | The borrower name on the Security Instrument is inconsistent with vesting. Per Valuation, current vested owners are XXXX and XXXX. Subject mortgage is titled in the name of XXXX. Partial Divorce Decree in file, XXXX of XXXX pages are present. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXPM) Uploaded warrantydeed showing deed transfer |
Response 1 (XX/XX/XXXX XX:XXPM) The deed transfer provided reflects both spouses were deeded ownership on XX/XX/XXXX. The divorce decree indicates the defendant will acquire the property for a cost. The is no evidence this occurred; furthermore, the divorce decree is not evidence the ownership was transfer to the borrower. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406849 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406849 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406850 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406850 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406850 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406851 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406851 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406851 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406852 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406852 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406852 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406853 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406853 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406853 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406854 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406854 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406854 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406855 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406855 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406855 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406856 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406856 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406856 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406857 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406857 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406857 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406858 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406858 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406858 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406859 | 1 of 3 | XXXX | XXXX | Compliance | HOC — Inaccurate | XXXX | The Homeownership Counseling Disclosure (HOC) does not list the XXXX closest homeownership counseling agencies available to the applicant’s location. Regulation requires the lender to provide a clear and conspicuous written list of ten homeownership counseling organizations that offer relevant services in the applicant’s area. This is a violation of the Real Estate Settlement Procedures Act (Regulation X), 12 CFR §XXXX. | 2 | 2 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406859 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406859 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 2 | 2 | ||||||||||||||||||||||
| XXXX |
8406860 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406860 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406860 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406861 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406861 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406861 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406862 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406862 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406862 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406863 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406863 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406863 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406864 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406864 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406864 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406865 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406865 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406865 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406866 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406866 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406866 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406867 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406867 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406867 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406868 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406868 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406868 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406869 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406869 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406869 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406870 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406870 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406870 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406871 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406871 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406871 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406872 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406872 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406872 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406873 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406873 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406873 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406874 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406874 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406874 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406875 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406875 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406875 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406876 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406876 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406876 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406877 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406877 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406877 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406878 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406878 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406878 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406879 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406879 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406879 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406880 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406880 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406880 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406881 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406881 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406881 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406882 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406882 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406882 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406883 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406883 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406883 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406884 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406884 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406884 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406885 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406885 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406885 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406886 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406886 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406886 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406887 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406887 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406887 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406888 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406888 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406888 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406889 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406889 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406889 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406890 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406890 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406890 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406891 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406891 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406891 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406892 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406892 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406892 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406893 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406893 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406893 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406894 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406894 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406894 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406895 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406895 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406895 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406896 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406896 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406896 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406897 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406897 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406897 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406898 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406898 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406898 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406899 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406899 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406899 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406900 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406900 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406900 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406902 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406902 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406902 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406903 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406903 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406903 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406904 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406904 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406904 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406905 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406905 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406905 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406906 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406906 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406906 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406907 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406907 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406907 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406908 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406908 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406908 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406909 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406909 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406909 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406910 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406910 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406910 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406911 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406911 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406911 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406912 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406912 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406912 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406913 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406913 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406913 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406914 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406914 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406914 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406915 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406915 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406915 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406916 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406916 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406916 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406917 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406917 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406917 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406918 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406918 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406918 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406919 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406919 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406919 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406920 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406920 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406920 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406921 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406921 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 |
| Loan Number |
Loan ID |
Finding # |
Last Name |
Note Date |
Audit Category |
Audit Issue |
Finding ID | Exception Finding |
Remediation Status |
Exception Rebuttal |
Exception Response |
Status Comment |
Compensating Factors |
Initial Findings Grade |
Final Findings Grade |
Initial Loan Grade |
Final Loan Grade | |||||||||||||||||
| XXXX |
8406921 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406922 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406922 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406922 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406923 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406923 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 3 | 3 | ||||||||||||||||||||||
| XXXX |
8406923 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is not supported within a 10% variance | XXXX | The AVM did not support the origination value within a 10% variance. | Upheld | Rebuttal 1 (XX/XX/XXXX XX:XXAM) 2nd AVM provided |
Response 1 (XX/XX/XXXX XX:XXAM) The second AVM provided did not support the origination value within 10%. (XXXX) |
3 | 3 | 3 | 3 | |||||||||||||||||||
| XXXX |
8406924 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406924 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406924 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406925 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406925 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406925 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406926 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406926 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406926 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406927 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406927 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406927 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406928 | 1 of 3 | XXXX | XXXX | Compliance | No Compliance Findings | XXXX | The loan is in compliance with all applicable laws and regulations. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406928 | 2 of 3 | XXXX | XXXX | Credit | No Credit Finding | XXXX | The loan meets all applicable credit guidelines. | 1 | 1 | 1 | 1 | ||||||||||||||||||||||
| XXXX |
8406928 | 3 of 3 | XXXX | XXXX | Valuation | Appraisal — Value is supported within 10% of original appraisal amount | XXXX | The secondary valuation product supported the original appraised value within 10%. | 1 | 1 | 1 | 1 |