EX-99.29 30 ex99-29.htm DIGITAL RISK REBUTTAL FINDINGS REPORT

 

CSMC 2022-NQM2 Trust ABS-15G

 

Exhibit 99.29

 

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
431841784 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
431841784 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
431841784 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 appraised value.         1 1 1 1
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
432517880 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
432517880 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
432517880 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 did not contain a CDA.         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
434315014 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
434315014 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
434315014 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
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
434553272 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
434553272 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
434553272 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
434553277 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
434553277 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
434553277 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
434315033 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
434315033 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 lease and/or 3rd party source establishing rent income. Resolved Rebuttal 1 (XX/XX/XXXX XX:XXPM)
AirDNA attached

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

   3 1 3 1
434315033 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
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
434553281 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
434553281 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
434553281 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
434315044 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
434315044 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
434315044 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
434950682 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
434950682 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
434950682 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
435050651 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
435050651 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050651 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 confirms the opinion of value in the origination report.         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
434553290 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
434553290 XXXX 2 of 3 XXXX XX/XX/XXXX Credit Appraisal - Other XXXX There are additional appraisal findings. Appraisal completed XX/XX/XXXX, FEMA Individual Assistance authorized for (XXX) on XX/XX/XXXX in subject XXXX County. Resolved Rebuttal 1 (XX/XX/XXXX XX:XXAM)
CDAIR attached

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

   3 1 3 1
434553290 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
434950683 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
434950683 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
434950683 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.         1 1 1 1
436021015 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
436021015 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021015 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
436021016 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 2
436021016 XXXX 2 of 4 XXXX XX/XX/XXXX Credit Verification Documentation - VOE Self-Employed/Aged XXXX The file contains a verification of business dated XX/XX/XXXX; Note date XX/XX/XXXX. Guidelines indicate underwriter to re-verify the entity’s good standing status directly through the Secretary of State. The proof of good standing will expire simultaneously with the underwriting approval expiration, or within 30 days, whichever is greater. The file does not contain documentation the underwriter completed a business search through XXXX SOS website. Resolved Rebuttal 1 (XX/XX/XXXX XX:XXPM)
Proof of good standing attached

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

   3 1 3 2
436021016 XXXX 3 of 4 XXXX XX/XX/XXXX Valuation Appraisal - Dated without recertification of value XXXX Per the guidelines; the appraisal must have an effective date within 120 days of the closing date. Otherwise; a 1004D within 60 days of the closing date is required. Subject appraisal effective date XX/XX/XXXX; Note date XX/XX/XXXX. The file does not contain a 1004D updating the appraisal. Resolved Rebuttal 1 (XX/XX/XXXX XX:XXPM)
ER Approval for appraisal date attached.

Response 1 (XX/XX/XXXX XX:XXAM)
Client request to waive finding as this was their error on expiration date of appraisal. (Waived)

   3 2 3 2
436021016 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 which supports the opinion of value in the origination appraisal report.         1 1 3 2
436021017 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
436021017 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021017 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
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
436021018 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
436021018 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021018 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
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)
AirDNA 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
434553317 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
434553317 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
434553317 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
435050652 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
435050652 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050652 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
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
435050653 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
435050653 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050653 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
435050654 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
435050654 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050654 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
436021019 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
436021019 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021019 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The File contains a CDA which supports the opinion of value in the origination report.         1 1 1 1
436021020 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
436021020 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021020 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 report.         1 1 1 1
434553325 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
434553325 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
434553325 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
436021021 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
436021021 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021021 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
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
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
435050655 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
435050655 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050655 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 report.         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
435050656 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
435050656 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050656 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
436021022 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
436021022 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021022 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
436021023 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
436021023 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021023 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
435050657 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
435050657 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 through XXXX website XX/XX/XXXX by processing. The loan file contains another business search through XXXX ; however, the date the document was obtained is not reflected. Resolved Rebuttal 1 (XX/XX/XXXX XX:XXAM)
proof of good standing attached

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

   3 1 3 1
435050657 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
435050658 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
435050658 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050658 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 value.         1 1 1 1
435050659 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
435050659 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050659 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 report.         1 1 1 1
436021024 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
436021024 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021024 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
436021025 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
436021025 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021025 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
435050660 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
435050660 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050660 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
435050661 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
435050661 XXXX 2 of 3 XXXX XX/XX/XXXX Credit Verification Documentation - VOE Self-Employed/Missing XXXX Guidelines indicate underwriter to reverify the entity's good standing status directly through the secretary of State. the proof of good standing will expire simultaneously wit the approval expiration , or within 30 days, whichever is greater. the file contains the business search verified through the XXXX website; however the date document was obtained is not reflected. Resolved Rebuttal 1 (XX/XX/XXXX XX:XXPM)
good standing doc attached

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

   3 1 3 1
435050661 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 CDA which supports the opinion of value in the origination report.         1 1 3 1
435050662 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
435050662 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050662 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 confirms the opinion of value in the origination report.         1 1 1 1
436021026 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
436021026 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021026 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
435050663 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
435050663 XXXX 2 of 3 XXXX XX/XX/XXXX Credit Hazard Insurance - Missing/Insufficient XXXX The hazard insurance policy reflects coverage in the amount of XXXX (XXXX dwelling + XXXX other structure + XXXX ordinance or law). The policy does not reflect guaranteed replacement cost and the insurance company did not provided a RCE. The estimate of cost-new provided from appraiser is XXXX and subject loan amount is XXXX. Therefore; it appears insufficient coverage has been provided. Resolved Rebuttal 1 (XX/XX/XXXX XX:XXPM)
RCE Attached

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

   3 1 3 1
435050663 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 loans contains a CDA which supports the opinion of value in the origination report.         1 1 3 1
435050664 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
435050664 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050664 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
436021028 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
436021028 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021028 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
436021029 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
436021029 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021029 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
436021030 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
436021030 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021030 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
436021031 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
436021031 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021031 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The File contains a CDA which supports the opinion of value in the origination report.         1 1 1 1
435050665 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
435050665 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050665 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
436021032 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
436021032 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021032 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The File contains a CDA which supports the opinion of value in the origination report.         1 1 1 1
436021033 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
436021033 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021033 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
436021034 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
436021034 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021034 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
436021035 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
436021035 XXXX 2 of 4 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 3 1
436021035 XXXX 3 of 4 XXXX XX/XX/XXXX Valuation Appraisal - Illegible XXXX The appraisal provided was illegible due to pages cut off. Resolved Rebuttal 1 (XX/XX/XXXX XX:XXPM)
Appraisal and appraisal update attached

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

   3 1 3 1
436021035 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 which supports the opinion of value in the origination appraisal report.         1 1 3 1
436021036 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
436021036 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021036 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
435050666 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
435050666 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050666 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
435050667 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
435050667 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050667 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 supports the opinion of value in the origination report.         1 1 1 1
436021037 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
436021037 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021037 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 report.         1 1 1 1
435050668 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
435050668 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
435050668 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
436021039 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
436021039 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021039 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The File contains a CDA which supports the opinion of value in the origination report.         1 1 1 1
436021040 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
436021040 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021040 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
436021041 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
436021041 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021041 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
436021042 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
436021042 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021042 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
436021044 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
436021044 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021044 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
436021045 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
436021045 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021045 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
436021046 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
436021046 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021046 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
436021047 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
436021047 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021047 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The File contains a CDA which supports the opinion of value in the origination report.         1 1 1 1
436021048 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
436021048 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021048 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The File contains a CDA which supports the opinion of value in the origination report.         1 1 1 1
436021049 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
436021049 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021049 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
436021050 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
436021050 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021050 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
436021051 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
436021051 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021051 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
436021052 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
436021052 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021052 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
436021053 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
436021053 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021053 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
436021054 XXXX 1 of 3 XXXX XX/XX/XXXX Compliance Security Instrument - Inaccurate XXXX The security instrument was not completed accurately. PUD Name on PUD Rider differs from Appraisal, Exhibit A and Title Legal Description. Resolved Rebuttal 1 (XX/XX/XXXX XX:XXAM)
XXXX and XXXX is the Sub Association for XXXX

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

   3 1 3 1
436021054 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 3 1
436021054 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
436021055 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
436021055 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021055 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
436021056 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
436021056 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021056 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
436021057 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
436021057 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021057 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
436021058 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
436021058 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021058 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
436021059 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
436021059 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021059 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The File contains a CDA which supports the opinion of value in the origination report.         1 1 1 1
436021061 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
436021061 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021061 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
436021062 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
436021062 XXXX 2 of 3 XXXX XX/XX/XXXX Credit Income - Other/Missing XXXX Subject closed in XXXX. The Certificate of Incumbency and Authorization indicates borrower has XXX% ownership as well as spouse has XXX% ownership. Both signed as Guarantor. The Certificate of Incumbency and Authorization was executed by the borrower; however, not executed by spouse. Resolved Rebuttal 1 (XX/XX/XXXX XX:XXPM)
Fully executed certificate of incumbency attached

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

   3 1 3 1
436021062 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The File contains a CDA which supports the opinion of value in the origination report.         1 1 3 1
436021063 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
436021063 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021063 XXXX 3 of 3 XXXX XX/XX/XXXX Valuation Appraisal - Value is supported within 10% of original appraisal amount XXXX The File contains a CDA which supports the opinion of value in the origination report.         1 1 1 1
436021064 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
436021064 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021064 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
436021065 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
436021065 XXXX 2 of 4 XXXX XX/XX/XXXX Credit Appraisal - Other XXXX Appraisal was not properly uploaded to the file. Missing information to address. Resolved Rebuttal 1 (XX/XX/XXXX XX:XXPM)
Appraisal attached

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

   3 1 3 1
436021065 XXXX 3 of 4 XXXX XX/XX/XXXX Valuation Appraisal - Illegible XXXX The appraisal provided is not completely legible; pages are cut off at top and bottom. Resolved Rebuttal 1 (XX/XX/XXXX XX:XXPM)
Appraisal attached

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

   3 1 3 1
436021065 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 File contains a CDA which supports the opinion of value in the origination report.         1 1 3 1
436021066 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
436021066 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021066 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
436021067 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
436021067 XXXX 2 of 3 XXXX XX/XX/XXXX Credit No Credit Findings XXXX The loan meets all applicable credit guidelines.         1 1 1 1
436021067 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
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)

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