I could not find how long these homes had been or if they had even been acclimated....
There are tons of construction moistures & spores retained for months after a home is occupied. Not to mention the doors and windows are always wide open !!!
Did they sample outside for a refinance count??
This study makes claims that the mold spores was caused by the wet sprayed cellulose.... NO WAY
If the home was sampled during drying or in the time need to dry the home out, yes sampling would be elevated.
Moisture pathogens and spores are always elevated during temp. increase and moisture/humidity decreases..... They panic and start producing spores to survive.
Aspergillus, Penicillium and Cladosporium all must have high moisture exposure and ground source vegetation to survive. If you have plants and dirt inside or outside your home you will have the guys in your home.
All crawl space homes have these guys at elevated levels....
Stachybotrys require almost total saturation to survive.
There is also a misrepresentation of "WETSPRAY"
Cellulose should be sprayed between 30% to 40% moisture content, with in a day or so, depending on the RH it will level out to 18% to 28%.
Most wood framing members are between 18% to 30%
Drywall Mud, Plaster, Thinset, Morter, Concrete and Paint are at 70% to 80%
Mold is every where, and will be here till the end of time.
If not for mold and termites.... this would would be a ugly place....