CSMC 2022-NQM1 Trust ABS-15G

Exhibit 99.22

Customer LoanID

Loan Number

Finding #

Last Name

Note Date

Audit Category

Audit Issue

Finding ID

Exception Finding

Remediation Status

Exception Rebuttal

Exception Response

Status Comment

Initial Findings Grade

Final Findings Grade

Initial Loan Grade

Final Loan Grade

434553267

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553267

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553267

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraisedvalue.

1

1

1

1

434553268

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553268

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553268

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

1

1

433283625

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

433283625

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Assets - Minimum Reserves

XXXX

The loan file is missing sufficient reserves to meet guidelines. The lender guidelines require XX months reserves. The HUD reflected a total of XXXX cash to close, POC and earnest money deposit. An additional XXXX was required in reserves. Total required assets were XXXX. The loan file contained verified assets of XXXX.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) See attached showing borrower's XXXX earnest money deposit and underwriting approval showing assets of XXXX + XXXX EMD for a total of XXXX.

Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved)

3

1

3

1

433283625

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

3

1

434553269

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553269

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553269

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

1

1

434950673

XXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434950673

XXXX

2 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

3

1

434950673

XXXX

3 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Illegible

XXXX

The appraisal provided was illegible; each page was cut off at the top and bottom. The Auditor was unable to fully review the appraisal report.

Resolved

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

Response 1 (XX/XX/XXXX XX:XXPM) Documentation provided is sufficient to clear the finding. (Resolved)

3

1

3

1

434950673

XXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

3

1

434950674

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950674

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950674

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.

1

1

1

1

434553270

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553270

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553270

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553271

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553271

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553271

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553273

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553273

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553273

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315016

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315016

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315016

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315017

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

Security Instrument - Incomplete

XXXX

The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Page 8 is missing from Security Instrument.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Mortgage/Deed of Trust attached

Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved)

3

1

3

1

434315017

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

3

1

434315017

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

3

1

434553274

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553274

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553274

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315018

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315018

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315018

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315019

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

Security Instrument - Missing Rider/Addendum

XXXX

The following referenced are missing: PUD Rider.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) PUD Rider attached

Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved)

3

1

3

1

434315019

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Income - Rental Property Income

XXXX

The documentation supporting income from other real estate owned is not adequately supported to meet underwriting guidelines. Missing XXXX Report utilized to establish monthly rental income, as cited in UW Exception Approval.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) AirDNA attached

Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved)

3

1

3

1

434315019

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

3

1

434315020

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315020

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315020

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315021

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315021

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315021

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.

1

1

1

1

434315022

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434315022

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Appraisal - Other

XXXX

Subject appraisal completed XX/XX/XXXX; XXXX was authorized for (XXXX) on XX/XX/XXXX for subject XXXX County.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Documentation uploaded.

Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved)

3

1

3

1

434315022

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supported the appraised value.

1

1

3

1

434315024

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315024

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315024

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315025

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315025

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315025

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315026

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315026

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315026

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports appraised the value.

1

1

1

1

434950675

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950675

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950675

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.

1

1

1

1

434553275

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553275

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553275

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553276

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553276

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553276

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315027

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315027

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315027

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315028

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315028

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315028

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315029

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315029

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315029

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports appraised the value.

1

1

1

1

434315030

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315030

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315030

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

1

1

434315031

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315031

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315031

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315032

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315032

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315032

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value.

1

1

1

1

434553278

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553278

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553278

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

1

1

434315034

XXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434315034

XXXX

2 of 4

XXXX

XX/XX/XXXX

Credit

Appraisal - Other

XXXX

There are additional appraisal findings. Subject appraisal was completed XX/XX/XXXX, XXXX was authorized for (XXXX) XX/XX/XXXX for subject XXXX County;

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) Incident period for XXXI was XX/XX/XXXX-XX/XX/XXXX, before appraisal was completed. Appraisal showed no damage.

Response 1 (XX/XX/XXXX XX:XXPM) Explanation provided is sufficient. (Resolved)

3

1

3

1

434315034

XXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

3

1

434315034

XXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

Resolved

1

1

3

1

434553279

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553279

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553279

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950676

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950676

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950676

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950677

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950677

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950677

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination report.

1

1

1

1

434315035

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315035

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315035

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value.

1

1

1

1

434315036

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315036

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315036

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950678

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950678

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950678

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315037

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434315037

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Appraisal - Other

XXXX

The subject property's county was declared a disaster on XX/XX/XXXX due to tropical winter storms. The property appraisal, dated XX/XX/XXXX, was completed prior to the disaster. A disaster inspection is required.

Resolved

Response 1 (XX/XX/XXXX XX:XXAM) Documentation uploaded. Response 2 (XX/XX/XXXX XX:XXAM) Subject county was not affected by a disaster. (Resolved)

3

1

3

1

434315037

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

3

1

434553280

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553280

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553280

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950679

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434950679

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Appraisal - Other

XXXX

There are additional appraisal findings. Subject appraisal completed XX/XX/XXXX, XXXX was authorized for (XXXX) on XX/XX/XXXX in subject XXXX County.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Disaster inspection attached

Response 1 (XX/XX/XXXX XX:XXPM) Property Inspection provided and no damage. (Resolved)

3

1

3

1

434950679

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

3

1

434315038

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315038

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315038

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315039

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315039

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315039

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

1

1

434950680

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950680

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950680

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.

1

1

1

1

434315040

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315040

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315040

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

1

1

434315041

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315041

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315041

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. 2nd full appraisal in file supports the appraised value.

1

1

1

1

434315043

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315043

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315043

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950681

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950681

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950681

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan contains a CDA which support the opinion of value in the origination appraisal report.

1

1

1

1

434315045

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315045

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315045

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553283

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553283

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553283

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553284

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553284

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553284

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553285

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434553285

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Appraisal - Other

XXXX

There are additional appraisal findings. Subject appraisal performed XX/XX/XXXX; XXXX was authorized for (XXXX) on XX/XX/XXXX in subject XXXX County.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) CDAIR attached

Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved)

3

1

3

1

434553285

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

3

1

434315046

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315046

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315046

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553286

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553286

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553286

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315047

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

HUD1 - Incomplete

XXXX

The settlement statement is either incomplete or incorrect. The HUD is missing the borrower's portion, the only fees available were seller paid fees.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Borrower and Seller portions of HUD attached

Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved)

2

1

3

1

434315047

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Credit - Other

XXXX

Unable to render full credit decision due to missing Borrower portion of Final HUD-1.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Borrower and Seller portions of HUD attached

Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved)

3

1

3

1

434315047

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

3

1

434315048

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315048

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315048

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315049

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315049

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315049

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553287

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553287

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553287

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315050

XXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434315050

XXXX

2 of 4

XXXX

XX/XX/XXXX

Credit

Appraisal - Other

XXXX

There are additional appraisal findings. Subject appraisal completed XX/XX/XXXX. XXXX was authorized for (XXXX) on XX/XX/XXXX for subject XXXX County.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Documentation uploaded.

Response 1 (XX/XX/XXXX XX:XXAM) FEMA website reflects incident occurred and was complete prior to appraisal. (Resolved)

3

1

3

1

434315050

XXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

Income - Rental Property Income

XXXX

The documentation supporting income from other real estate owned is not adequately supported to meet underwriting guidelines. XXXX source in file is illegible.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Documentation uploaded.

Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved)

3

1

3

1

434315050

XXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

3

1

434315051

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315051

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315051

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supported the appraised value.

1

1

1

1

434553288

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553288

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553288

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553289

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553289

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553289

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315052

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315052

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315052

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315053

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315053

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315053

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports appraised the value.

1

1

1

1

434315054

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315054

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315054

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553291

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553291

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553291

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553292

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553292

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553292

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950684

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950684

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950684

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.

1

1

1

1

434950685

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950685

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950685

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553293

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553293

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553293

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315055

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315055

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315055

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553294

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553294

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553294

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553295

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553295

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553295

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contained a CDA which supported the appraised value.

1

1

1

1

434553296

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553296

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553296

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553297

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553297

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553297

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434315056

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434315056

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434315056

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553298

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553298

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553298

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553299

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553299

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553299

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553300

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553300

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553300

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553301

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553301

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553301

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553302

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553302

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553302

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553303

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553303

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553303

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950686

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950686

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950686

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

1

1

434553304

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553304

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553304

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553305

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553305

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553305

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553306

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553306

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553306

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553307

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434553307

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Income - Rental Property Income

XXXX

The documentation supporting income from other real estate owned is not adequately supported to meet underwriting guidelines. Missing 3rd party source to establish area markets rental amount.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) XXXX attached

Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved)

3

1

3

1

434553307

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

3

1

434950687

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950687

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950687

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination report.

1

1

1

1

434950688

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950688

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950688

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.

1

1

1

1

434553308

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553308

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553308

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in fie Supports the appraised value.

1

1

1

1

434553309

XXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553309

XXXX

2 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553309

XXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553309

XXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553310

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553310

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553310

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised Value.

1

1

1

1

434553311

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553311

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553311

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553312

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553312

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553312

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553313

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553313

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553313

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553314

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553314

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553314

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553315

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553315

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553315

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

1

1

434553316

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553316

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553316

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

1

1

434553318

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553318

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553318

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

1

1

434950689

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950689

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950689

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

1

1

434553319

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553319

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553319

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553320

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553320

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553320

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950690

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434950690

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Appraisal - Other

XXXX

There are additional appraisal findings. Subject appraisal completed XX/XX/XXXX; XXXX was authorized for (XXXX) on XX/XX/XXXX in subject XXXX County.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) Incident period for XXXX was XX/XX/XXXX-XX/XX/XXXX, prior to appraisal.

Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved)

3

1

3

1

434950690

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

3

1

434950691

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950691

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950691

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.

1

1

1

1

434553321

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553321

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553321

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553322

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553322

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553322

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553323

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553323

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553323

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553324

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553324

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553324

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553326

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553326

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553326

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supported the appraised value.

1

1

1

1

434950692

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950692

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950692

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination appraisal report.

1

1

1

1

434553327

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553327

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553327

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

1

1

434553328

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553328

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553328

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434553329

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553329

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553329

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950694

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950694

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950694

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination report.

1

1

1

1

434553330

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553330

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553330

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950695

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950695

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950695

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950696

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950696

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950696

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950697

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950697

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950697

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950698

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950698

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950698

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied.

1

1

1

1

434553331

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553331

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553331

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

1

1

434553332

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434553332

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434553332

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

1

1

434950699

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950699

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950699

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.

1

1

1

1

434950700

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434950700

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Income - Rental Property Income

XXXX

The documentation supporting income from other real estate owned is not adequately supported to meet underwriting guidelines. Missing Lender UW Exception Request establishing and approving use of XXXX rental estimate.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) ER approval attached

Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved)

3

1

3

1

434950700

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

3

1

434950701

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434950701

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Income - Other/Missing

XXXX

Subject loan closed in the name of XXXX. The file is missing documentation verifying the EIN number assigned to the business.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) LLC is a single-member LLC and has a XXXX Taxpayer ID but no EIN. Borrower W9 and taxpayer ID doc atttached.

Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved)

3

1

3

1

434950701

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.

1

1

3

1

434950702

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950702

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950702

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950703

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950703

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950703

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.

1

1

1

1

434950704

XXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434950704

XXXX

2 of 4

XXXX

XX/XX/XXXX

Credit

Contract Addendum - Missing

XXXX

The final HUD-1 for subject transaction reflects a seller contribution in the amount of XXXX. However; the contract does not reflect a seller contribution and the file does not contain a contract addendum adding the contribution to the sales transaction.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Purchase agreement amendment attached

Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolvd)

3

1

3

1

434950704

XXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

Verification Documentation - VOE Self-Employed/Missing

XXXX

Guidelines indicate verification of entity’s good standing is required and status will expire simultaneously with the underwriting approval expiration, or within 30 days, whichever is greater. The file contains a VVOE for the business verified through XXXX; however, the date document was obtained is not reflected.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Documentation uploaded.

Response 1 (XX/XX/XXXX XX:XXAM) Documentation is sufficient. (Resolved)

3

1

3

1

434950704

XXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. the loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

3

1

434950705

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950705

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950705

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950706

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950706

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950706

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950707

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434950707

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Income - Rental Property Income

XXXX

The documentation supporting income from other real estate owned is not adequately supported to meet underwriting guidelines. Subject file is missing 3rd party STR rental confirmation source (ie- XXXX, XXXX, etc..) establishing appropriate monthly STR rental amount; additionally, the subject file is missing the Lender UW Approval accepting and approving the utilization of the STR estimate;

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) ER Approvals attached Rebuttal 2 (XX/XX/XXXX XX:XXAM) Documentation uploaded.

Response 1 (XX/XX/XXXX XX:XXPM) Still missing XXXX referenced on enhanced review. (Upheld) Response 2 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved)

3

1

3

1

434950707

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

3

1

434950708

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434950708

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Verification Documentation - VOE Self-Employed/Missing

XXXX

Guidelines indicate underwriter to re-verify the entity’s good standing status directly through the XXXX. The proof of good standing will expire simultaneously with the underwriting approval expiration, or within 30 days, whichever is greater. The file contains the business search verified through XXXX; however, the date document was obtained is not reflected.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) Proof of good standing with date stamp attached

Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved)

3

1

3

1

434950708

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.

1

1

3

1

434950709

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950709

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950709

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950710

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950710

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950710

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report. The file contained a CDA which supported the appraised value.

1

1

1

1

434950711

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434950711

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Assets - Cash to Close

XXXX

The file did not contain evidence the borrower had the proper amount of funds required to close. Missing verification of assets to cover cash required to close and reserves.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Borrower assets attached Rebuttal 2 (XX/XX/XXXX XX:XXPM) Documentation uploaded.

Response 1 (XX/XX/XXXX XX:XXPM) Still missing EMD clearance documentation, which results in a XXXX shortage of liquidated funds. (Upheld) Response 2 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved)

3

1

3

1

434950711

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

3

1

434950712

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950712

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950712

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.

1

1

1

1

434950713

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950713

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950713

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report.

1

1

1

1

434950714

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950714

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950714

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950715

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950715

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950715

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

1

1

434950716

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434950716

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434950716

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination file.

1

1

1

1

434950717

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434950717

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Contract Addendum - Missing

XXXX

The sales contract reflects sales price XXXX and no seller contributions. The final HUD-1 reflects sales price XXXX and seller contributions of XXXX. The file does not contain contract addendum reflecting revised sales price of XXXX and seller contributions of XXXX.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) Amendments attached

Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved)

3

1

3

1

434950717

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the organization appraisal report.

1

1

3

1

434950718

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434950718

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Income - Rental Property Income

XXXX

The documentation supporting income from other real estate owned is not adequately supported to meet underwriting guidelines. Missing UW Exception Approval establishing and approving the XXX monthly rental amount.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) ER approvals and XXXX attached

Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved)

3

1

3

1

434950718

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. CDA in file supports the appraised value.

1

1

3

1

434950720

XXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

434950720

XXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

3

1

434950720

XXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is not supported within 10% of original appraisal amount

XXXX

The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value.

Resolved

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

Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved)

3

1

3

1

433479798

XXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

HMDA - Government Monitoring

XXXX

The Government Monitoring Section on the application was not completed in the Race section. Home Mortgage Disclosure Act (Regulation C)12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Demographic addendum attached

Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to cure the finding. (Resolved)

2

1

4

1

433479798

XXXX

2 of 4

XXXX

XX/XX/XXXX

Credit

Initial Application - Missing

XXXX

The Initial application is missing as required by guides. The loan application was illegible.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Loan app and dem addendum attached

Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved)

4

1

4

1

433479798

XXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

4

1

433479798

XXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

4

1