CSMC 2022-NQM3 Trust ABS-15G

Exhibit 99.35

Loan Number

Loan IDs

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

XXXX

434067698

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

XXXX

434067698

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

434067698

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

XXXX

432517875

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

XXXX

432517875

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

432517875

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

XXXX

432709923

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

XXXX

432709923

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

432709923

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

XXXX

432261465

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

XXXX

432261465

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

432261465

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

XXXX

432709928

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

XXXX

432709928

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. The Borrower had verified assets of $XXXX. However, total assets to be verified were $XXXX. Despite, this requirement there is a shortage of verified assets in the amount of $XXXX.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) Attached is the ernest money deposit of $XXXX

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

3

1

3

1

XXXX

432709928

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

XXXX

433283601

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

4

1

XXXX

433283601

2 of 3

XXXX

XX/XX/XXXX

Credit

Initial Application - Missing

XXXX

The Initial application in the file is illegible.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Initial app attached

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

4

1

4

1

XXXX

433283601

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

4

1

XXXX

433479768

1 of 3

XXXX

XX/XX/XXXX

Compliance

HMDA - Government Monitoring

XXXX

The Government Monitoring Section on the application was not completed in 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:XXPM) Loan app attached

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

2

1

2

1

XXXX

433479768

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

2

1

XXXX

433479768

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

2

1

XXXX

433283620

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

4

1

XXXX

433283620

2 of 3

XXXX

XX/XX/XXXX

Credit

Initial Application - Missing

XXXX

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

Resolved

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

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

4

1

4

1

XXXX

433283620

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

4

1

XXXX

433752657

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

2

XXXX

433752657

2 of 3

XXXX

XX/XX/XXXX

Credit

Program Parameters - Loan Amount

XXXX

The loan amount exceeds maximum allowable under the guidelines. The lender guidelines state that if the borrower owned the subject property for less than 12 months, the loan amount will be limited to XXXX% of the acquisition cost plus the costs of documented improvements. According to the appraisal in the loan file, the subject property was purchased by the borrower on XX/XX/XXXX for $XXXX. The loan-to-value was based on the appraised value of $XXXX and loan amount of $XXXX; however, the loan file did not contain documentation supporting the improvements and the increase in value as required.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXAM) Docs attached indicating acquisition price of $XXXX and $XXXX of improvements Rebuttal 2 (XX/XX/XXXX XX:XXAM) Property was sold on XX/XX/XXXX, recorded XX/XX/XXXX, for $XXXX. FraudGuard transaction history and supporting construction draw schedule attached.

Response 1 (XX/XX/XXXX XX:XXPM) The loan file does not support a $XXXXX acquisition cost. The appraisal reflects a purchase price of $XXXX on XX/XX/XXXX. (Upheld) Response 2 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved)

3

1

3

2

XXXX

433752657

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Other

XXXX

There are bars on the bedroom windows that do not have safety latches.

2

2

3

2

XXXX

433283622

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

XXXX

433283622

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

433283622

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

XXXX

433752659

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

XXXX

433752659

2 of 3

XXXX

XX/XX/XXXX

Credit

Assets - Minimum Reserves

XXXX

Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The Borrower had 2 other properties that closed on the same day. In total the Borrower reserves in the amount of $XXXX were required. The borrower had verified assets of $XXXX. As a result, there was a shortage of assets in the amount of $XXXX.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) Assets doc attached showing available balance of $XXXX

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

3

1

3

1

XXXX

433752659

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

XXXX

433621031

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

XXXX

433621031

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

433621031

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

XXXX

433283636

1 of 5

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

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

1

1

3

1

XXXX

433283636

2 of 5

XXXX

XX/XX/XXXX

Credit

Initial Application - Missing

XXXX

The Initial application is illegible.

Resolved

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

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

4

1

3

1

XXXX

433283636

3 of 5

XXXX

XX/XX/XXXX

Credit

LDP/EPL - Missing

XXXX

The Fraud Report provided is not completely legible.

Resolved

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

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

3

1

3

1

XXXX

433283636

4 of 5

XXXX

XX/XX/XXXX

Valuation

Appraisal - Illegible

XXXX

The appraisal provided was illegible. The Auditor was unable to review the appraisal report.

Resolved

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

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

3

1

3

1

XXXX

433283636

5 of 5

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

XXXX

433621037

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

XXXX

433621037

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. The borrower was required to bring cash to close of $XXXX and reserves totaling $XXXX. The loan file does not contain asset documentation.

Resolved

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

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

3

1

3

1

XXXX

433621037

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

XXXX

434315015

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

XXXX

434315015

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

434315015

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

XXXX

434067713

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

XXXX

434067713

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

434067713

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

XXXX

434315023

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

XXXX

434315023

2 of 4

XXXX

XX/XX/XXXX

Credit

Appraisal - Other

XXXX

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

XXXX

434315023

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

3

1

XXXX

434315023

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

XXXX

436082637

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

XXXX

436082637

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082637

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

XXXX

434315042

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

XXXX

434315042

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

434315042

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

XXXX

434553282

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

XXXX

434553282

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

434553282

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

XXXX

436082638

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

XXXX

436082638

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082638

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

XXXX

436082639

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

XXXX

436082639

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082639

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

XXXX

434950693

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

XXXX

434950693

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

434950693

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

XXXX

436082640

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

XXXX

436082640

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082640

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

XXXX

436082641

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

XXXX

436082641

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082641

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

XXXX

436082642

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

XXXX

436082642

2 of 3

XXXX

XX/XX/XXXX

Credit

Hazard Insurance - Missing/Insufficient

XXXX

Subject transaction is a NCO refinance of a STR property. Per the guidelines, rent loss coverage is required even when the property is vacant. The hazard insurance obtained XX/XX/XXXX is a One-Shot, Residential Vacant Policy which is for new construction/remodeling. The policy does not contain rent loss coverage. The file contains an email stating since no one is living in the property, the insured does not qualify for Business Income/Loss of Rents coverage. Property was recently renovated; however, now complete. The hazard insurance policy should have been updated from One-Shot, Residential Vacant Property Policy to a 3D-P Policy with rent loss coverage.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) ER document attached showing approval of no rent loss coverage

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

3

1

3

1

XXXX

436082642

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

XXXX

436082643

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

XXXX

436082643

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082643

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 theorigination report.

1

1

1

1

XXXX

436021027

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

XXXX

436021027

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436021027

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

XXXX

436082644

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

XXXX

436082644

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082644

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

XXXX

436082645

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

XXXX

436082645

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082645

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

XXXX

436082646

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

XXXX

436082646

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082646

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

XXXX

436082647

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

XXXX

436082647

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082647

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

XXXX

436021038

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

XXXX

436021038

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436021038

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

XXXX

436082648

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

XXXX

436082648

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082648

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

XXXX

436082649

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

XXXX

436082649

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082649

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

XXXX

436082650

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

XXXX

436082650

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082650

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. Lender did include an exception for not requiring the CDA but as a securitization review that is a requirement and a Lender Exception is invalid.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) 2nd Appraisal attached

Response 1 (XX/XX/XXXX XX:XXPM) Second appraisal provided and supports original first appraisal value. (Resolved)

3

1

1

1

XXXX

436082651

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

XXXX

436082651

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082651

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

XXXX

436021043

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

XXXX

436021043

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436021043

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

XXXX

436082652

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

XXXX

436082652

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082652

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

XXXX

436082653

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

XXXX

436082653

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082653

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

XXXX

436021044

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

XXXX

436021044

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436021044

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

XXXX

436082654

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

XXXX

436082654

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082654

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

XXXX

436082655

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

XXXX

436082655

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082655

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

XXXX

436082656

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

XXXX

436082656

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082656

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

XXXX

436021060

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

XXXX

436021060

2 of 3

XXXX

XX/XX/XXXX

Credit

Title Commitment - Missing/Incomplete

XXXX

The file contains Schedule A of the Title Commitment; however, missing Schedule B, C and D.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) Title Commitment schedules attached

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

3

1

3

1

XXXX

436021060

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

XXXX

436082657

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

XXXX

436082657

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082657

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

XXXX

436082658

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

XXXX

436082658

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082658

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 theorigination report

1

1

1

1

XXXX

436082659

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

XXXX

436082659

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082659

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

XXXX

436082660

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

XXXX

436082660

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082660

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

XXXX

436082661

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

XXXX

436082661

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082661

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

XXXX

436082662

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

XXXX

436082662

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082662

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

XXXX

436082663

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

XXXX

436082663

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082663

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

XXXX

436082664

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

XXXX

436082664

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082664

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

XXXX

436082665

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

XXXX

436082665

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082665

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

XXXX

436082666

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

XXXX

436082666

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082666

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

XXXX

436082667

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

XXXX

436082667

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082667

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

XXXX

436082668

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

XXXX

436082668

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082668

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

XXXX

436082669

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

XXXX

436082669

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082669

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

XXXX

435050669

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

XXXX

435050669

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

3

1

XXXX

435050669

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) ER approval for guideline exception attached

Response 1 (XX/XX/XXXX XX:XXAM) Exception granted by Investor. (Resolved) Response 2 (XX/XX/XXXX XX:XXPM) A LRA secondary valuation production was provided and supports the original appraised value. (Resolved)

3

1

3

1

XXXX

434315058

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

XXXX

434315058

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

434315058

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) VRA attached

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

1

1

1

1

XXXX

434315059

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

XXXX

434315059

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

3

1

XXXX

434315059

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) Executive approval guideline exception attached Rebuttal 2 (XX/XX/XXXX XX:XXPM) Client responded. VRA provided.

Response 1 (XX/XX/XXXX XX:XXAM) Exception granted by Investor. (Resolved) Response 2 (XX/XX/XXXX XX:XXAM) VRA provided and supports original appraised value. (Resolved)

3

1

3

1

XXXX

434950719

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

XXXX

434950719

2 of 3

XXXX

XX/XX/XXXX

Credit

Appraisal - Other

XXXX

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

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) Property Inspection report attached

Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient to clear the exception. (Resolved)

3

1

3

1

XXXX

434950719

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:XXPM) Loan originated under guidelines XXXX which state that for a 5-8 MF or 2-8 MU only one appraisal is required

Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is not sufficient to clear the exception. A VRA is required for all 5-8 MF and all mixed use properties. (Upheld) Response 2 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved)

3

1

3

1

XXXX

435050670

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

XXXX

435050670

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

3

1

XXXX

435050670

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:XXPM) Loan originated under guidelines 2021_09v2 which state that for a 5-8 MF or 2-8 MU only one appraisal is required Rebuttal 2 (XX/XX/XXXX XX:XXAM) VRA uploaded.

Response 1 (XX/XX/XXXX XX:XXAM) A VRA secondary valuation product is required for the subject property type. (Upheld) Response 2 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved)

3

1

3

1

XXXX

436021068

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

XXXX

436021068

2 of 3

XXXX

XX/XX/XXXX

Credit

Income - Rental Property/Missing Lease

XXXX

Subject transaction is a refinance of a 6 unit multi-family property. File documentation reflects leases were provided for all units. The file contains leases for units 1-5; however, missing lease for unit 6.

Resolved

Rebuttal 1 (XX/XX/XXXX XX:XXPM) Lease 6 attached

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

3

1

3

1

XXXX

436021068

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

XXXX

436021069

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

XXXX

436021069

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436021069

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

XXXX

436082670

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

XXXX

436082670

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082670

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 VRA which supports the value in the origination appraisal report.

1

1

1

1

XXXX

436082671

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

XXXX

436082671

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

XXXX

436082671

3 of 3

XXXX

XX/XX/XXXX

Valuation

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

XXXX

Subject contains a VRA which did not support value in origination appraisal report within 10%. However; VRA value was used for LTV calculation for subject transaction.

1

1

1

1