Abstractors and title examiners haven't a clue about mortgage processing and mortgage underwriting and visa versa.  They are different jobs.  Most rarely get adequate training and are simply trying to do the best they can. 

The mortgage underwriter will review the data provided in the chain and decide if the recent conveyance activity is high risk.  They may seek additional information such as whether or not substantial improvements were made to the property.  They may order a second appraisal.  They may reject the transaction.  They may decide that the conveyance actiivity was perfectly normal and pass on it.

It's just a risk assessment and they can't do through the exercise without the data.