UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM ABS-15G

ASSET-BACKED SECURITIZER
REPORT PURSUANT TO SECTION 15G OF
THE SECURITIES EXCHANGE ACT OF 1934

Onslow Bay Funding LLC

 

Check the appropriate box to indicate the filing obligation which this form is intended to satisfy:

            Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

 
 

 

Name and telephone number, including area code, of the person to contact in
connection with this filing

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) [ ]

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) [ ]

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) [ ]

  X       Rule 15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2)

Central Index Key Number of depositor: 0001658638

OBX 2021-J3 Trust
(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): _______________

Central Index Key Number of underwriter (if applicable): ________________

Michael Fania, (212) 696-0100

Name and telephone number, including area code, of the person to contact in
connection with this filing

 

 

 

PART I: REPRESENTATION AND WARRANTY INFORMATION

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

 

 

PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS

Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

 

 

 

 

 

EXHIBIT INDEX

99.01Opus Capital Markets Consultants, LLC (“Opus”) Narrative
99.02Opus ATR Report
99.03Opus Data Compare Report
99.04Opus Exception Report
99.05Opus Rating Agency Grades Report
99.06Opus Valuation Report
99.07Clayton Services LLC (“Clayton”) Narrative
99.08Clayton BOA Conditions Summary
99.09Clayton BOA Conditions Detail Report
99.10Clayton BOA Conditions Loan Grades Report
99.11Clayton BOA RA ATR QM Report
99.12Clayton BOA Tape Compare Report
99.13Clayton BOA Valuations Report
99.14Clayton BOA Waived Conditions Report
99.15Clayton LD Conditions Summary
99.16Clayton LD Conditions Detail Report
99.17Clayton LD Conditions Loan Grades Report
99.18Clayton LD RA ATR QM Report
99.19Clayton LD Tape Compare Report
99.20Clayton LD Valuations Report
99.21Consolidated Analytics, Inc. (“CA”) Narrative
99.22CA Data Compare Report
99.23CA Exception Grades Report
99.24CA Grading Report
99.25CA Valuations Report
99.26AMC Diligence, LLC (“AMC”) Narrative
99.27AMC Rating Agency Grades Report
99.28AMC Exception Grades Report
99.29AMC Valuation Summary
99.30AMC Data Compare Report
99.31Ernst & Young LLP Report of Independent Accountants on Applying Agreed-Upon Procedures

 

 

 

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 

  ONSLOW BAY FUNDING LLC
   
Date: September 23, 2021 /s/ Michael Fania
  Name: Michael Fania
  Title: Authorized Signatory

 

 

 

Exhibit 99.01

Shape, icon, circle Description automatically generated

 

OBX 2021-J3

 

 

 

 

 

 

 

Wipro Opus Risk Solutions LLC

Executive Narrative

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Wipro Opus Risk Solutions LLC

300 Tri-State International | Suite 320

Lincolnshire, IL 60069
224.632.1300 | wiproopusrisksolutions.com

 

 

Opus Privileged and ConfidentialPage 1

 

 

 

Executive Narrative

 

September 16, 2021

 

Performed by

Wipro Opus Risk Solutions, LLC

 

For

Bank of America, National Association

 

 

 

This report summarizes the results of a due diligence review performed on a pool of 35 loans provided by Bank of America, National Association (Client) who provided Wipro Opus Risk Solutions, LLC (Consultant) with a data tape, which represented a 100% sample, and loaded into the Paragon® underwriting software. Consultant performed a detailed compliance and credit review on all loans.

 

As detailed herein, the 35 loans were Jumbo and not eligible for GSE delivery. Loans were reviewed from time period beginning 02/09/2021 to 07/28/2021. No loans in the population were subject to the revised QM requirements. 23 of the 35 loans were bought via Reliance letter from LoanDepot and are re-underwritten in accordance with the Loan Depot Jumbo Advantage guidelines.  The other 12 loans were part of BAML flow and were underwritten to BAML’s guidelines and overlays. For valuation, the Jumbo loan waterfall, as detailed in “Notes on Independent Third-Party Values”, starts with a CDA.

 

Opus was established in 2005. Opus was acquired in January 2014 by Wipro Ltd, a global information technology, consulting, and outsourcing company.

 

 

Credit Qualification

A re-underwriting review was conducted in order to verify that the requisite underwriting guidelines as specified by Client were met. Confirmation of the loan terms was performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review consisted of the following:

 

Notes: Credit Qualifications:

1.1    Guidelines

Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q, if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae’s Single-Family guidelines or Freddie Mac’s Seller guidelines.

 

1.2Employment

Review the file documentation for minimum required level of employment, income and asset verifications pursuant to Client provided underwriting guidelines.

1.3Income

Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

1.4Assets

Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

1.5Debt Ratio

Recalculate the debt to income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

Opus Privileged and ConfidentialPage 2

 

 

1.6Property Valuation

Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

1.7Loan-to-Value Ratio

Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

1.8Credit History

Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

1.9Credit Scores

Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines

1.10 Compensating Factors

Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

 

Document Review

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

 

1.11   Collateral Docs
1.11.1Title Commitment / Policy

Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

1.11.2Mortgage Note / Security Instrument

Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

1.11.3Mortgage / Deed of Trust

Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 6 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording.  If the closing did not occur within 6 of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

1.11.4Conveyance Deed

Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

 

1.12Closing Docs
1.12.1Final Hud-1 Settlement Statement

Verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements. Determine whether funds were collected to satisfy any prior liens that appeared on the title commitment.

1.12.2Final Truth-in-Lending Disclosure

Verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

1.12.3Notice of Right to Cancel

If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

1.12.4If required verify the presence of the current Loan Estimate (LE) at the time of origination.
1.12.5If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

Opus Privileged and ConfidentialPage 3

 

 

 

1.13Credit Docs
1.13.1Loan Application

Verify the presence and completeness of both the initial and final loan applications.

1.13.2Underwriting Worksheet

Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA’s Loan Analysis.

1.13.3Credit Report

Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines. Confirm that all relevant installment and revolving debt are included in the calculation of debt ratio calculations.

1.13.4Housing Payment History

In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

1.13.5Letters of Explanation

When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

1.13.6Gift Letters

When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

1.13.7Income Documentation

Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

1.13.8Asset Documentation

Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

1.13.9Property Valuation Tools

Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

1.13.10Proof of Insurance

Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

1.14Data Integrity

A comparison with respect to certain fields on the data tape was performed by comparing electronic copies of the original mortgage loan documents provided to the corresponding information set forth on the data tape. The comparisons were performed with respect to certain Mortgage Loan characteristics, including but not limited to, interest only, sales price, note date, occupancy, QM status, loan type, application date, loan purpose, units, zip code, interest rate, second mortgage lien amount, original balance, property city, FICO, property type, original payment, property address, appraised value, LTV, CLTV, and DTI. Discrepancies were reviewed with the originator and the data tape was modified if necessary.

 

Regulatory Compliance

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act (“TILA”), as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act (“RESPA”), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending.

Opus Privileged and ConfidentialPage 4

 

 

 

3.1Federal Truth in Lending Act/Regulation Z:

 

A review of the material compliance disclosures set forth in Reg Z as amended including Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable. A review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15):  Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3 day rescission period was adequately provided to the borrower(s).

3.2Business Days as Defined by Regulation Z:

General business day is defined as the days on which a creditor’s offices are open to the public for carrying on substantially all of its business functions (i.e. this is all calendar days (Monday through Friday) excluding Saturdays, Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

3.3MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):

 

Initial Delivery: Creditor must deliver the Initial Disclosures within 3 “general” business days of application

3.3.1No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower receiving the Initial Disclosures
3.3.27 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 “specific” business days prior to closing
3.3.33 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate. Closing may not occur until the 3rd “specific” business day after the consumer receives the corrected disclosures.
3.3.4APR on Final TIL: APR on Final TIL must be within tolerance 1/8 or ¼ of percent difference in APR based on regular or irregular payment stream

 

3.4Home Ownership Equity Protection Act (HOEPA) testing, to include:

 

3.4.1APR test [HOEPA (§1026.32(a)(1))] and [HPML(§1026.35(a)(1))]
3.4.2Points and Fees test [HOEPA (§1026.32(a)(2))]
3.4.3Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)
3.4.4Review and confirm documentation type (i.e. full, stated, no ratio)
3.4.5Review for evidence of prepayment penalty
3.4.6Verification of Debt to Income conformity, when necessary.

 

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement to be verified for all covered loans.

 

3.5RESPA/Regulation X (Loans with an Application Date prior to 10/03/2015): 

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X.  The RESPA/Regulation X review will consist of the following:

Opus Privileged and ConfidentialPage 5

 

 

 

3.5.1Good Faith Estimate (GFE): 
3.5.2Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:
3.5.3Confirm the presence of the current GFE form in effect at the time of origination. 
3.5.4Verify the GFE was provided to the borrower(s) within three days of “Application”.
3.5.5Application shall be defined by Regulation X and generally be considered complete when the following seven conditions are met:
·Borrower(s) First and Last Name
·Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)
·Subject Property Address
·Mortgage Loan Amount Sought
·Estimation of Property Value
·Monthly Income
·Any other requirement as defined in the lender’s policies and procedures
3.5.6Consultant will verify that all Broker fees, including Yield Spread Premium (“YSP”) were accurately disclosed and reflected in the appropriate locations. 
3.5.7Fees will be reviewed to ensure they are reasonable and customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location on the document.
3.5.8Analysis to determine whether a Changed Circumstance form is required to accompany each revised Good Faith Estimate (GFE)
3.5.9Change of Circumstance Definition:
3.5.9.1Acts of God, war, disaster or other emergency;
3.5.9.2Information particular to borrower or transaction that was relied on in providing the GFE and that changes or is found to be inaccurate after GFE has been provided to borrower;
3.5.9.3New information particular to the borrower or transaction that was not relied on in providing the GFE; or
3.5.9.4Other circumstances that are particular to borrower or transaction, including boundary disputes, need for flood insurance or environmental problems
3.5.9.5In the event any of the above occurs, the loan originator is required to provide a new revised GFE to the borrower within 3 business days of receiving information sufficient to establish “changed circumstances” and document the reason the revised GFE was provided.
3.5.9.6Rate Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge or credit for rate chosen, adjusted origination charges, per diem interest and loan terms related to the rate may change. If borrower later locks the rate, a new GFE must be provided showing the revised rate-dependent charges and terms. All other charges and terms must remain the same as on the original GFE, except as otherwise provided above for “changed circumstances.”
3.5.10Final HUD-1:  Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including: 
3.5.10.1Confirm the presence of the current applicable Final HUD-1 form 
3.5.10.2Confirm the Final HUD-1 accurately lists all broker and YSP fees.
3.5.11Good Faith Estimate (GFE) and Final HUD-1 Analysis:  Confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:
3.5.11.1Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance) - No variance for the following charges:
·Origination Charge
·Credit or Charge for Interest Rate Chosen
·Adjusted Origination Charge
·Transfer Taxes
3.5.11.2Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services:
·Lender-required settlement services (lender selects third-party provider);
·Lender-required services, title services and required title insurance, and owner’s title insurance, when the borrower uses a settlement service provider identified by the loan originator; and
·Government recording charges

Opus Privileged and ConfidentialPage 6

 

 

3.5.12Analysis to confirm all fees are accurately reflected in the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1
3.5.13Analysis to confirm lender accurately provided borrower adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to
3.5.14Analysis to confirm loan terms are accurately disclosed between the Good Faith Estimate (GFE) and Final HUD-1
3.5.15Analysis to confirm page 3 of the HUD-1 accurately reflects fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1

 

3.6QM / ATR (Qualified Mortgage / Ability to Repay) Dodd Frank Review (Loans with Application Date on or after 01/10/2014)

 

3.6.1Ability-to-Repay:

 

3.6.1.1Consultant will incorporate checkpoints for the ATR’s eight verification steps for any origination QC work. Consultant has the option to run ATR checks on any transactions subject to QM that falls outside the ability to meet QM guidelines, whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the ability to be screened for ATR if the QM testing fails or the loan is exempt from QM.
3.6.1.2Consultant is required to verify all information within the scope of the eight verification steps before an ATR loan can pass. These eight tests include verifications of any amounts used in the loan consideration and a page(s) reference to the third party records/documentation/images:
·Income and assets
·Current employment status
·Monthly qualifying mortgage payment for the proposed loan
·Monthly qualifying mortgage payment for the simultaneous loan on the same property
·Monthly payments for taxes, insurance and HOA, etc.
·Debts, alimony and child support
·Qualifying monthly DTI and residual income
·Credit history
3.6.1.3If all of the verifications are made and each of the eight topic areas is confirmed to agree with the representations made by the lender, and there are no credit exceptions to the lender’s guidelines, the loan will pass the ATR test. If any of the conditions fail or the loan lacks the documentation to support the stated values in any of the areas, affected items will not be considered verified and the loan will be subject to failing the ATR test.
3.6.1.4ATR results will be reported as ATR-Pass, ATR-Fail and ATR-Exempt. This is in addition to the existing credit and compliance related reporting by Consultant.

 

3.6.2Qualified Mortgage

 

Consultant has built edits and system processes to evaluate whether a loan meets the requirements of the Qualified Mortgage regulations. There are 4 different Qualified Mortgage subtypes; Qualified Mortgage (QM) Temporary QM (TQM), Small Creditor QM (SCQM) and Small Creditor Balloon QM (BQM). While regulations carve out special guidance on small creditor originations, Consultant will not be reviewing any additional documentation required to certify a small creditor and will test all files against either QM or TQM. All QM loan types must meet the following conditions:

·No Negative Amortization and no interest only payments
·No loan terms to exceed 30 years
·Threshold test for Points and Fees of less than or equal to 3.00% of the total loan amount (there are five levels of testing including four for loan amounts under $100,000)
·Only documented verifications may be used to qualify the application (all loans are full documentation)

The differentiation in testing for QM and TQM is in following a debt-to-income threshold of 43.00% for QM versus meeting the underwriting guidelines from the designated agency (GSE, HUD, FHA, USDA, etc.) for TQM. For the creditor, originating a loan under TQM parameters provides for greater flexibility in qualifying an applicant whose debt-to-income may exceed 43% and still passes the guidelines of the agency.

Opus Privileged and ConfidentialPage 7

 

 

3.6.3QM DTI Testing

 

The new debt-to-income threshold of 43.00% applies to any QM loan. The calculation will include new requirements for calculating the QM Loan Payment and Simultaneous Loan Payment with different rules for fixed rate fixed term and variable rate loans. Those two calculated values are included in the new QM debt-to-income test. In addition, only verified amounts will be included in the QM debt-to-income test - verified income and assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts. The calculated value will be the verified debts divided by the verified income represented as a ratio, with amounts less than or equal to 43.00% passing, and anything above 43.00% failing. Failing this test also results in returning an overall QM status of Fail.

 

3.6.4TQM Guideline Testing

 

3.6.4.1For GSE/HUD/FHA directed loans, the testing standard is to fail any application that does not meet the appropriate credit guidelines. The guidelines are not set by regulation and may include a higher debt-to-income threshold. The guidelines include:
·LTV / CLTV
·DTI – using the same calculation guidelines as QM
·Credit Score
·Reserves
·Maximum Loan Amount
·Maximum Cash Out
·Disposable Income

Threshold failures will either be greater than the guideline or less than the guidelines as appropriate.

Note: A failure identified within the guidelines may result in a Fail condition for qualifying the loan as a TQM, even when the debt-to-income calculation would not exceed the 43.00% DTI level, such as a low credit score or a high loan-to-value ratio. Consultant will note the TQM failure. Customized reporting is available to support Customer requirements for specific loan conditions.

 

3.6.5Points and Fees Testing

 

3.6.5.1All loans seeking QM/TQM status need to pass the points and fees testing guidelines. QM Points and Fees testing will be done under the same approach as points and fees testing under HOEPA regulations, including the six components below:
·Finance charge - Third-party settlement services and Lender/Broker/Affiliate payments included, if Consultant is unable to determine “bona fide” status from normal file documentation. Exceptions may require additional documentation to be provided. The same treatment goes for “bona fide discount points” if documentation is not present in file.
·Loan originator compensation – Compensation/YSP known at the time of the consummation will be included but Consultant does not review lender or broker compensation programs as part of its QM testing.
·Real estate-related fees
·Premiums for credit insurance, credit property insurance, and other insurances where the creditor is the beneficiary, debt cancellation or suspension coverage payments
·Maximum prepayment penalty
·Prepayment penalty paid in a refinance.
3.6.5.2In addition, the calculation is built based on the note amount with different thresholds above the 3.00% level for amounts less than $100,000 adjusted annually:
·3 percent of the total loan amount for a loan greater than or equal to $100,000
·$3,000 for a loan greater than or equal to $60,000 but less than $100,000

Opus Privileged and ConfidentialPage 8

 

 

·5 percent of the total loan amount for a loan greater than or equal to $20,000 but less than $60,000
·$1,000 for a loan greater than or equal to $12,500 but less than $20,000
·8 percent of the total loan amount for a loan less than $12,500

 

 

 

 

3.6.6QM/ATR Reporting

 

For QM/TQM testing, the results of the debt-to-income test (QM) or guideline review (TQM) and the Points and Fees test will result in the following available compliance conditions as requested by the rating agencies:

·QM – NonHPML [QM or TQM – Pass / HPML – No]
·QM – HPML [QM or TQM – Pass / HPML – Yes]
·NonQM – Compliant [QM or TQM – Fail, Exempt / ATR – Compliant]
·NonQM – Noncompliant [QM or TQM – Fail, Exempt / ATR – Noncompliant]
·Not Covered – Exempt [QM or TQM – Exempt / ATR – Exempt

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

 

3.6.7HPML Testing – QM APR

 

Current testing for HPML will now be performed using one of two formulas, normal QM and FHA TQM. For QM, a loan will be considered a Higher Priced Mortgage Loan if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium factor.

 

3.6.8Escrow Requirement

 

Loans that fall under the guidelines of a Higher Priced Mortgage Loan (HPML) will require escrow accounts to be in place for the first five years of the transaction. A loan will be considered a Higher Priced Mortgage Loan based on the guidelines shown above (HPML Testing – APR)

 

3.6.9HPML Appraisal Rule – Non-QM

 

An HPML designation also requires additional appraisal requirements. A loan will be considered a Higher Priced Mortgage Loan under the HPML Appraisal Rule if the APR exceeds the Average Prime Offer Rate by 1.50% or more percentage points on Conforming First Liens, 2.50% for Jumbo First Liens and 3.50% or more percentage points on Second Liens. Requirements include:

·Three day disclosure from application of the right to a free copy
·Written appraisal from certified or licensed appraiser
·Interior inspection
·Delivery of copies no later than 3 days prior to consummation
·If the property falls under the ‘flipping’ definition, a second appraisal is required and must document:
·The difference in the original sales price and the subsequent sales price
·Changes in market conditions
·Property improvements

There is additional responsibility for providing copies of ALL documentation used in the valuation of the property, not just the final appraisal, and requirements for full appraisals, versus other forms of valuations.

Opus Privileged and ConfidentialPage 9

 

 

System enhancements have also been made to require verification of documentation and acknowledgement by the reviewer of evidence supporting the new requirements

3.7TRID (TILA RESPA Integrated Disclosures) – Truth in Lending Act/Regulation Z (as Amended by the TILA/RESPA Integrated Disclosures Act). Each mortgage loan will be reviewed to ensure compliance for applications received on or after 10/03/2015, or most current amendments to TILA and Regulation Z (TILA/RESPA Integrated Disclosure Rule). 

 

SFIG TILA RESPA Integrated Disclosure Review Procedures:

 

The Consultant has reviewed TRID loans using loan level grading, cure provisions and general guidance associated with proposed TRID Compliance Review Scope issued by The Structured Finance Industry Group (hereinafter known as SFIG). The Customer acknowledges that the SFIG guidance is “proposed”, is not finalized and reflects potential for amendments based on additional rule making or guidance from the CFPB or adjudication from the U.S. Supreme Court that may over turn prevailing U.S. Circuit Court rulings.  The Client accepts and understands the potential risks associated with any potential future amendments resulting from guidance or rulings from the Bureau or the courts. All TRID exceptions were graded utilizing the current SFIG/TRID 3.0 grading matrix.

 

3.7.1Loan Estimate (LE):

 

3.7.1.1Consultant will confirm compliance with current TILA requirements in effect at origination of the Mortgage Loan including:
3.7.1.1.1Confirm the presence of the current Loan Estimate (LE) form in effect at the time of origination. 
3.7.1.1.2Verify the LE was provided to the borrower(s) within three days of “Application”.
3.7.1.2Application shall be defined by §1026.2(a)(3) and generally be considered complete when the following six conditions are met:
·Borrower(s) First and Last Name
·Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)
·Subject Property Address
·Mortgage Loan Amount Sought € Estimation of Property Value
·Monthly Income.
3.7.1.3Verify the LE was provided to the borrower(s) at least 7 business days prior to loan consummation, unless the borrower provides appropriate waiver documentation to support an earlier closing based on a bona fide financial emergency
3.7.1.4Consultant will verify that the creditor provided a revised estimate of a charge in the form of a revised LE (or at the time of delivery of the CD, depending on the loan circumstances) for any of the following reasons (1026.19(e)(3)(iv)) This may be repeated with revised Les and CDs as provided for legitimate change of circumstances and the timing for providing the document prior to or at the loan closing:
3.7.1.4.1Changed circumstances. Changed Circumstances that cause the estimated settlement charges to increase or, in the case of estimated charges identified in section 1026.19(e)(3)(ii), cause the aggregate amount of such charges to increase by more than 10 percent. (1026.19(e)(3)(iv)(A)) For purposes of this and the following procedure, “changed circumstance” means:
·An extraordinary event beyond the control of any interested party or other unexpected event specific to the consumer or transaction (1026.19(e)(3)(iv)(A)(1));
·Information specific to the consumer or transaction that the creditor relied upon when providing the Loan Estimate and that was inaccurate or changed after the disclosures were provided (1026.19(e)(3)(iv)(A)(2));
·New information specific to the consumer or transaction that he creditor did not rely on when providing the original Loan Estimate (1026.19(e)(3)(iv)(A)(3)).
3.7.1.5Changed circumstance affecting eligibility. The consumer is ineligible for an estimated charge previously disclosed because a changed circumstance affected the consumer’s creditworthiness or the value of the security for the loan. (1026.19(e)(3)(iv)(B)).
3.7.1.6Revisions requested by the consumer. The consumer requests revisions to the credit terms or the settlement that cause an estimated charge to increase. (1026.19(e)(3)(iv)(E).

Opus Privileged and ConfidentialPage 10

 

 

3.7.1.7Interest rate dependent charges. The points or lender credits change because the interest rate was not locked when the Loan Estimate was provided. (1026.19(e)(3)(iv)(D)).

 

3.7.2Closing Disclosure (CD):

 

3.7.2.1Consultant will confirm compliance with current TILA requirements in effect at origination of the Mortgage Loan including (also see Section 3.1.4.9 for details): 
·Confirm the presence of the current applicable Closing Disclosure (CD);
·Confirm the CD accurately lists all fees.
·Confirm receipt of the initial CD at least 3 days prior to consummation
3.7.2.2Loan Estimate (LE) and Closing Disclosure (CD) analysis: Confirm compliance with current TILA requirements in effect at origination of the Mortgage Loan including fees with no variance, fees with a 10% tolerance and fees with no tolerance:
3.7.2.3Analysis of fees disclosed on the LE and those charged to the borrower(s) on the CD subject to no variance:
·Charges paid to Lender including points
·Charges paid to mortgage broker
·Third Party charges paid to an affiliate of lender or mortgage broker
·Third Party charges for which the lender does not permit the borrower to shop
·Transfer Taxes
·Lender credits (test is greater than or equal to)
3.7.2.4Analysis of fees disclosed on the LE and those charged to the borrower(s) on the CD (10% tolerance):
·Charges for Third Party services where the charges are not paid to the Lender, mortgage broker or an affiliate of Lender or mortgage
·Charges where the borrower is permitted by the lender to shop for Third Party services AND the borrower selects a Third Party service provider from the Lender’s Written List of Service Providers
·Recording Fees
3.7.2.5Analysis of fees disclosed on the LE and those charged to the borrower(s) on the CD (no tolerance)
·Prepaid Interest
·Property Insurance
·Amounts placed in escrow, impound, reserves
·Charges where the borrower is permitted by the lender to shop for Third Party services AND the borrower selects a Third Party service provider not on the Lender’s Written List of Service Providers, and not an affiliate of Lender or mortgage broker
·Charges for Third Party services not required by Lender, including owner’s title insurance, even if paid to an affiliate of Lender or mortgage broker.
3.7.2.6Analysis to confirm all fees are accurately reflected in the correct tolerance category on the LE and CD
3.7.2.7Analysis to confirm lender accurately provided borrower adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to.
3.7.2.8Analysis to confirm loan terms are accurately disclosed between the LE and CD.
3.7.2.9Consultant will confirm a version of the Written List of Service Providers (“WLSP”) as published in the Appendix to Regulation Z was delivered with the initial LE including those services borrower can shop and a revised WLSP was delivered when a revised LE based on a Change of Circumstances introduces additional services borrower is permitted to shop.
3.7.2.10Consultant will verify the data disclosed by the Lender on the LE meets guidelines for accuracy and content for:
·Timing Rules (3-day pre and 7-day post rules) as well as exception/waiver rules
·General Terms
·Loan Terms
·Projected Payments (including minimum and maximum payment streams)
·Closing Costs
·Cash to Close
·AP and AIR Table disclosures where appropriate

Opus Privileged and ConfidentialPage 11

 

 

·Comparisons – Calculated Disclosures for Five-Years, APR and Total Interest Percentage (TIP)
3.7.2.11Consultant will verify the data disclosed by the Lender on the CD meets guidelines for accuracy timing and content for:
·Timing Rules (3-day)
·General Terms
·Loan Terms
·Projected Payments (including minimum and maximum payment streams)
·Closing Costs
·Cash to Close
·AP and AIR Table disclosures where appropriate,
·Loan Disclosures
·Loan Calculations including APR, Finance Charges and Total Interest Percentage (TIP)
·Other Disclosures
·Contact Information including address, email, phone and license
·Proper execution by all borrowers
·Proper acknowledgement of receipt of copy of the CD by each party with a vested interest in the property for refinance transactions

 

3.8Additional Disclosures and Requirements:

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

 

3.8.1Servicing Transfer Disclosure (for applications prior to 10/03/2015): 
3.8.1.1Confirm the presence of the Servicing Transfer Disclosure form in file
3.8.1.2Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of “Application”

 

3.8.2Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):
3.8.2.1Confirm the presence of the Special Information Booklet/Home Loan Tool Kit is in file for covered loans.
3.8.2.2Confirm the Special Information Booklet/Home Loan Tool Kit is provided within three general business days of application

 

3.8.3Affiliated Business Disclosure
3.8.3.1Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements
3.8.3.2Confirm the Affiliated Business Disclosure provided within three general business days of “Application” (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services)
3.8.3.3Confirm the Affiliated Business Disclosure is executed.

 

3.8.4Initial Escrow Disclosure Statement
3.8.4.1Confirm the presence of the Initial Escrow Disclosure Statement in file
3.8.4.2Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

 

3.9National Flood Insurance Program (NFIP)

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

Opus Privileged and ConfidentialPage 12

 

 

4.0    High Cost - State & Local Anti-Predatory Regulations:

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW – legal guidance documentation available for detailed discussion, if necessary:

4.1Arkansas Home Loan Protection Act, AR. Stat. Ann. § 23-53-101 et seq.
4.2California Anti-Predatory Lending Statute, CA. Fin. Code § 4970 et seq.
4.3California Higher Priced Mortgage Loan Statute, CA. Fin Code § 4995 et seq.
4.4Colorado Consumer Equity Protection Act, CO. Rev. Stat. § 5-3.5-101 et seq. and as amended by Senate Bill 216 (2007) and House Bill 1322 (2007)
4.5Colorado Consumer Credit Code, CO. Rev. Stat. 5-1-101 et seq.
4.6Connecticut Abusive Home Loan Lending Practices Act, CT. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, CT. House Bill 5577 (2008).
4.7Connecticut Nonprime Home Loan Statute, CT. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949.
4.8District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. and DC Mortgage Disclosure Act of 2007.
4.9Florida Fair Lending Act, FL. Stat. Ann. § 494.0078 et seq.
4.10Georgia Fair Lending Act, GA. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53)
4.11Idaho Residential Mortgage Practices Act, ID. Code § 26-3101 et seq.
4.12Illinois High Risk Home Act, IL. Comp Stat. tit. 815, §§137/5 et seq.
4.13Illinois High Risk Home Loan Regulations, 38 IL. Admin. Code § 345.10 et seq.
4.14Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003).
4.15City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.
4.16Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).
4.17Indiana Home Loan Practices Act, IN. Code § 24-9-1-1 et seq. and as amended by 2005 In. P.L. 141 § 6 P2013-011.
4.18Kansas Consumer Credit Code, KS. Stat. Ann. § 16a-1-101 et seq. Sections 16a-1-301, 16a-3-207 and 16a-3-308a.
4.19Kentucky Anti-Predatory Lending Statute, KY. Rev. Stat. § 360.100 et seq. and as amended by KY. House Bill 552 (2008).
4.20Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A ME. Rev. Stat. Ann. §§ 8-101; 8-103(1); 8-206(8); 8-206A and ME. Legislative Document 1869 (2007).
4.21Maryland Commercial Law, MD. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by MD. Senate Bill 270 (2008) and Maryland Regulations under the MD. Mortgage Lender Law (2009).
4.22Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the MD. Mortgage Lender Law, MD. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; MD. Code Regs. §§ 09.03.06.01 et seq.
4.23Massachusetts High Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA. House Bill 4387 (2008) 20. MA. Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).
4.24Massachusetts Regulations for Higher Priced Mortgage Loans, 209 MA. Code Regs. §§ 32.00
4.25Massachusetts “Borrower’s Interest” Standard, M.G.L. Chapter 183, §28C.
4.26Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).
4.27Michigan Consumer Mortgage Protection Act, MI. Stat. Ann. § 445-1631 et seq.
4.28Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).
4.29Nebraska Mortgage Bankers Registration and Licensing Act, NE. Stat.§ 45-702 et seq.
4.30Nevada Anti-Predatory Lending Law, NV. Rev. Stat. § 598D.010 et seq. and as amended by AB 440 and 492.
4.31New Jersey Home Ownership Security Act of 2002, NJ. Stat. Ann. § C:46:10B-22 et seq. and as amended by PL. 2004, Ch. 84 § 1.
4.32New Mexico Home Loan Protection Act, NM. Stat. Ann. § 58-21A-1 et seq. and as amended by Senate Bill 342 (2009).
4.33New York High Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).
4.34New York High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008). Banking Law Article 6-l (2003) and 6-m (2008).

Opus Privileged and ConfidentialPage 13

 

 

4.35North Carolina Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) and as amended by House Bill 1817 (2007).
4.36Ohio Anti-Predatory Lending Statute, OH. Rev. Code Ann. §§ 1349.25 to 1349.37 and § 1.63 and as amended by S.B. 185.
4.37City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.
4.38Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).
4.39Oklahoma Higher –Priced Mortgage Loans Law, OK. Admin. Code §§ 160:45-9-1 et seq.
4.40Pennsylvania Consumer Equity Protection Act, 63 PA. Cons. Stat. Ann. § 456.501 et seq.
4.41City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.
4.42Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI. Gen. Laws. §§ 34-25.2-1 et seq., including the Emergency and Final Regulations.
4.43South Carolina High-Cost and Consumer Home Loans Act, SC. Code § 37-23-10 et seq.
4.44South Carolina Consumer Protection Code, SC. Code 37-1-101 et seq.
4.45Tennessee Home Loan Protection Act, TN. Code Annotated §§ 45-20-101 et seq., Title 47 et seq.
4.46Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.
4.47Utah Residential Mortgage Practices Amendments, UT. Code Ann. § 61- 2c-102 et seq.
4.48Utah High Cost Home Loan Act, UT. Code § 61-2d-101 et seq.
4.49Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.
4.50Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), VA. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.
4.51Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), VA. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.
4.52Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.
4.53Wisconsin Responsible High Cost Mortgage Lending Act, WI. Stat. § 428.202.
4.54West Virginia Residential Mortgage Lender, Broker and Servicer Act, WV. Code § 31-17-1 et seq.
4.55Wyoming Credit Code, WY. Stat. Ann. §§ 40-14-101 et seq.

 

4.56Regulatory Compliance Disclaimer

Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

4.57 Seasoning and Certain Compliance Exceptions

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the

Opus Privileged and ConfidentialPage 14

 

 

statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

 

5.  Misrepresentation and Third Party Product Review

Validate that fraud reports and independent third party property valuations reports are in the file. The review will consist of the following:

5.1Misrepresentation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The misrepresentation may include the following:

5.1.1Signatures

Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

5.1.2Alerts

Assess credit report alerts for accuracy and potential issues.

5.1.3Social Security Numbers

Compare SSN(s) across all file documents.

5.1.4Document Integrity

Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

5.1.5Data Consistency

Review the documents contained in the loan file for consistency of data.

5.1.6Third Party Fraud Tools

To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

 

5.2Independent Third Party Values

 

Notes on Independent Third Party Values:

 

Valuation Methodology

 

The Consultant reviewed the loans to the following valuation methodologies:

The Client requested the Consultant to order a Collateral Desktop Analysis (CDA) to function as the initial third party valuation product to support the appraisal contained in the loan file for all Jumbo loans.  The Consultant was instructed to order the CDA from Clear Capital.  Clear Capital was chosen given their experience in the valuation space. If the CDA did not support the original appraised value within a 10% variance, a secondary valuation product such as a field review or drive-by appraisal was ordered. If the variance between the CDA value and the appraisal falls within a 10% variance a property value grade of an “A” was assigned. If the variance between the field review value and the appraisal falls within a 10% variance a property value grade of an “A” was assigned.

 

The Client requested the Consultant to order an Automated Valuation Model (“AVM”) to function as the initial third party valuation product to support the appraisal contained in the loan file for all GSE Eligible AUS loans. The Consultant was instructed to order the AVM from Clear Capital.  Clear Capital was chosen given their experience in the valuation space. If the confidence score was less than 80% a Collateral Desktop Analysis (CDA) was ordered.  If the confidence score was equal to or greater than 80% and variance between the AVM and the appraisal was greater than 10% variance or the AVM was indeterminant or not hit, a CDA was ordered.  If the CDA supported the origination appraised value within a 10% variance no additional product was required.  If the CDA did not support the original appraised value within a 10% variance, a secondary valuation product such as a field review or drive-by appraisal was ordered. If the AVM confidence score was equal to or greater than 80% and the variance between the AVM value and the appraisal falls within a 10% variance a property value grade of an “A” was assigned. If the

Opus Privileged and ConfidentialPage 15

 

 

variance between the CDA value and the appraisal falls within a 10% variance a property value grade of an “A” was assigned. If the variance between the field review value and the appraisal falls within a 10% variance a property value grade of an “A” was assigned. With regard to the GSE Eligible loans that were approved using an AUS property inspection waiver (PIW), the AVM value was compared to the Lender stated value on the AUS. Value was supported within 10% and no additional third party valuation product was required.

 

5.2.1 Value Review Disclaimer

5.2.1.1   The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice (“USPAP”) or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

5.2.1.2   Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

5.2.1.3   Opus is not an Appraisal Management Company (“AMC”) and therefore does not opine on the actual value of the underlying property.

5.2.1.4   Opus is not a creditor within the meaning of the Equal Credit Opportunity Act (“ECOA”) or other lending laws and regulations, and therefore opus will not have and communications with or responsibility to any individual concerning property valuations.

5.2.1.5 Opus does not check to see if any appraiser in on the Freddie Mac exclusionary list.

 

 

5.3Properties in FEMA declared disaster zones.

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure

5.3.1No apparent damage to the property
5.3.2Property appears to be occupied

 

 

Multiple Loans to One Borrower: TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

 

Pool Details

 

 

 

Opus Privileged and ConfidentialPage 16

 

 

 

 

 

Opus Privileged and ConfidentialPage 17

 

 

 

 

Opus Privileged and ConfidentialPage 18

 

 

 

Tape Discrepancies

 

 

Data Element Count Accuracy
Application Date 0 100.00%
Appraised Value 0 100.00%
CLTV 0 100.00%
DTI 15 57.14%
FICO 0 100.00%
First Payment Date 5 85.71%
Interest Rate 0 100.00%
Junior Lien Balance 0 100.00%
Loan Purpose 0 100.00%
Loan Term 0 100.00%
Loan Type 0 100.00%
LTV 6 82.86%
Maturity Date 0 100.00%
Note Date 0 100.00%
Note Rate 0 100.00%
Number of Borrowers 0 100.00%
Occupancy 0 100.00%
Original Loan Amount 2 94.29%
Original P&I 0 100.00%
Original Payment 0 100.00%
Property Address 5 85.71%
Property City 1 97.14%
Property County 1 97.14%
Property State 0 100.00%
Property Type 0 100.00%
Qualifying FICO 0 100.00%
Sales Price 0 100.00%
Second Mortgage Lien Amount 0 100.00%
Borrower Last Name 0 100.00%
Borrower First Name 0 100.00%
Self Employed 1 97.14%
Units 0 100.00%
Zip Code 1 97.14%
Total Loans 35  

 

 

 

Opus Privileged and ConfidentialPage 19

 

 

Loan Grading Definitions

 

Credit

 

S&P Moodys Fitch Kroll DBRS Definition
A A A  A  A Loan conforms to all applicable guidelines, no conditions noted
B B B  B  B Loan does not meet every applicable credit guideline.  However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors
C C C  C  C The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors
D D D  D  D The loan file is missing critical documentation required to perform the review

 

 

Compliance

 

S&P Moodys Kroll DBRS Definition
A A A A The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
B B B B The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist
C C C C The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
D D D D The loan file is missing critical documentation required to perform the review

 

Fitch Definition
A The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
B The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented
C The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
D The loan file is missing critical documentation required to perform the review

 

 

 

Opus Privileged and ConfidentialPage 20

 

 

Property Valuation

 

Moodys Fitch Kroll DBRS Definition
A A  A  A Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete.
B B  B  B Meets all terms for an A, but property requires cosmetic or minor repairs that do not effect value or habitability
C C  C  C Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines
D D  D  D The loan file was missing the appraisal and/or other valuations products needed to complete the review

 

 

S&P Definition
A First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete.
B First Level Review Value is greater than a 10% variance to the original appraisal, but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not effect value or habitability
C Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines
D The loan file was missing the appraisal and/or other valuations products needed to complete the review

 

 

 

Opus Privileged and ConfidentialPage 21

 

 

Loan Review Findings

 

The following summarizes Consultant’s initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated September 16, 2021.

 

 

 

 

 

Opus Privileged and ConfidentialPage 22

 

 

 

 

Opus Privileged and ConfidentialPage 23

 

 

 

 

Opus Privileged and ConfidentialPage 24

 

 

 

Opus Privileged and ConfidentialPage 25

 

 

 

Opus Privileged and ConfidentialPage 26

 

 

 

Loans Reviewed (35 Loans)

 

XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX
XXXXX

 

 

 

 

If you have any questions, please contact Peter Butler at Peter.Butler1@wipro.com

 

 

 

 

Opus Privileged and ConfidentialPage 27

 

 

 

Exhibit 99.02

 

Customer Loan ID Channel Rate Lock Date Application Date Borrower Employment Indicator Co Borrower Employment Indicator Borrower Citizenship Indicator Co Borrower Citizenship Indicator Residual Income Points And Fees Points And Fees Without Reductions APR Qualifying Interest Rate Average Prime Offer Rate GSE Eligibility Originator QM/ATR Status TPR QM/ATR Status Non QM Reason TRID
OBX2021J30045 Broker XX/XX/XXXX XX/XX/XXXX Employed   US   $X,XXX.XX 17743 17743 0.028 0.02750 2.7 No   QM/Non-HPML   TRID
OBX2021J30016 Retail XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 16468 16468 0.026 0.02500 2.72 No   QM/Non-HPML   TRID
OBX2021J30055 Retail XX/XX/XXXX XX/XX/XXXX Employed   US   $X,XXX.XX 16742 16742 0.029 0.02750 2.7 No   QM/Non-HPML   TRID
OBX2021J30149 Retail XX/XX/XXXX XX/XX/XXXX Employed Employed Permanent Resident Alien US $X,XXX.XX 7550 7550 0.036 0.03500 3.24 No   QM/Non-HPML   TRID
OBX2021J30060 Retail XX/XX/XXXX XX/XX/XXXX Employed Unemployed US US $X,XXX.XX 1540 1540 0.029 0.02875 2.7 No   QM/Non-HPML   TRID
OBX2021J30070 Retail XX/XX/XXXX XX/XX/XXXX Employed   US   $X,XXX.XX 2079 2079 0.031 0.03125 2.82 No   QM/Non-HPML   TRID
OBX2021J30132 Retail XX/XX/XXXX XX/XX/XXXX Retired Retired US US $X,XXX.XX 0 0 0.030 0.03000 2.82 No   QM/Non-HPML   TRID
OBX2021J30104 Broker XX/XX/XXXX XX/XX/XXXX Retired Retired US US $X,XXX.XX 15200 15200 0.029 0.02875 2.78 No   QM/Non-HPML   TRID
OBX2021J30092 Retail XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 1175 1175 0.028 0.02750 2.78 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30103 Retail XX/XX/XXXX XX/XX/XXXX Employed   US   $X,XXX.XX 11783 11783 0.027 0.02625 3.24 No   QM/Non-HPML   TRID
OBX2021J30101 Retail XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 11426 11426 0.026 0.02500 2.78 No   QM/Non-HPML   TRID
OBX2021J30125 Retail XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 1540 1540 0.030 0.03000 3.24 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30172 Retail XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 1465 1465 0.032 0.03125 3.07 No   QM/Non-HPML   TRID
OBX2021J30185 Retail XX/XX/XXXX XX/XX/XXXX Employed   US   $X,XXX.XX 6574 6574 0.036 0.03500 3.23 No   QM/Non-HPML   TRID
OBX2021J30186 Retail XX/XX/XXXX XX/XX/XXXX Employed   US   $X,XXX.XX 1465 1465 0.031 0.03125 3.07 No   QM/Non-HPML   TRID
OBX2021J30202 Retail XX/XX/XXXX XX/XX/XXXX Employed   US   $X,XXX.XX 1245 1245 0.033 0.03250 3.1 No   QM/Non-HPML   TRID
OBX2021J30302 Retail XX/XX/XXXX XX/XX/XXXX Employed   US   $X,XXX.XX 1391 1391 0.034 0.03375 3.1 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30373 Retail XX/XX/XXXX XX/XX/XXXX Employed Unemployed US US $X,XXX.XX 3965 3965 0.033 0.03250 3.1 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30173 Broker XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 23007 23007 0.030 0.02875 3.07 No   QM/Non-HPML   TRID
OBX2021J30507 Correspondent Flow with delegated underwriting XX/XX/XXXX XX/XX/XXXX Employed   US   $X,XXX.XX 6746 6746 0.031 0.03000 3.05 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30421 Correspondent Flow with delegated underwriting XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 4682 4682 0.032 0.03125 3.05 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30525 Retail XX/XX/XXXX XX/XX/XXXX Employed Unemployed US US $X,XXX.XX 3915 3915 0.032 0.03125 3.03 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30281 Retail XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 1964 1964 0.032 0.03125 3.09 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30273 Correspondent Flow with delegated underwriting XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 1485 1485 0.034 0.03375 3.09 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30527 Correspondent Flow with delegated underwriting XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 1290 1290 0.031 0.03125 3.03 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30526 Correspondent Flow with delegated underwriting XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 1490 1490 0.033 0.03250 3.03 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30360 Retail XX/XX/XXXX XX/XX/XXXX Employed Unemployed US US $X,XXX.XX 0 0 0.031 0.03125 3.01 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30524 Correspondent Flow with delegated underwriting XX/XX/XXXX XX/XX/XXXX Employed Unemployed US US $X,XXX.XX 5190 5190 0.031 0.03000 3.07 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30300 Correspondent Flow with delegated underwriting XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 1245 1245 0.033 0.03250 3.02 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30341 Correspondent Flow with delegated underwriting XX/XX/XXXX XX/XX/XXXX Employed Retired US US $X,XXX.XX 1245 1245 0.031 0.03125 3.01 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30531 Correspondent Flow with delegated underwriting XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 1245 1245 0.034 0.03375 2.99 No   QM-ATR Pass/Non-HPML   TRID
OBX2021J30010 Broker XX/XX/XXXX XX/XX/XXXX Employed Employed Permanent Resident Alien Permanent Resident Alien $X,XXX.XX 10300 10300 0.025 0.02500 2.76 No   QM/Non-HPML   TRID
OBX2021J30014 Retail XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 10836 20207 0.026 0.02500 3.42 No   QM/Non-HPML   TRID
OBX2021J30034 Retail XX/XX/XXXX XX/XX/XXXX Employed Employed US US $X,XXX.XX 10335 19475 0.026 0.02500 2.72 No   QM/Non-HPML   TRID
OBX2021J30158 Retail XX/XX/XXXX XX/XX/XXXX Employed Unemployed US Permanent Resident Alien $X,XXX.XX 1040 1040 0.029 0.02875 3.02 No   QM/Non-HPML   TRID

 

 

Exhibit 99.03

 

Customer Loan ID Data Field Tape Data Review Data Tape Discrepancy Comments
OBX2021J30045 DTI 38.25 % 40.19 % Summary: Incoming Value:38.25
Audit Value: 40.19 DTI within guidelines
OBX2021J30016 DTI 30.74 % 31.02 % Summary: Incoming Value: 30.74
Audit Value: 31.02 DTI within guidelines
OBX2021J30055 DTI 35.87 % 34.85 % Summary: Incoming Value:35.87
Audit Value: 34.85 Lender used higher rental loss
OBX2021J30101 DTI 35.53 % 40.79 % Summary: Incoming Value:35.53
Audit Value: 40.79 Audit borrower bonus income matches the lender calculation worksheet.  However, at some point, the lender increased the bonus (as reflected on approval and 1008) to an incorrect YTD figure.  DTI still below prgram max as per guidelines.
OBX2021J30070 DTI 16.56 % 16.70 % Summary: Incoming Value:16.56
Audit Value: 16.70 DTI within guidelines
OBX2021J30132 DTI 22.70 % 28.19 % Summary: Incoming Value:22.70
Audit Value: 28.19 Lender used a higher income figure and a lower tax payment for the subject property.
OBX2021J30185 DTI 40.38 % 42.64 % Summary: Incoming Value: 40.38
Audit Value: 42.64  Variance due to other REO PITI calculation.
OBX2021J30173 DTI 29.91 % 29.09 % Summary: Incoming Value:29.91
Audit Value: 29.09 Audit DTI matches Lender DTI
OBX2021J30103 DTI 25.82 % 25.79 % Summary: Incoming Value:25.82
Audit Value: 25.79 Audit within tolerance
OBX2021J30103 Property County Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled from Mortgage/DOT
OBX2021J30202 DTI 52.39 % 26.69 % Summary: Incoming Value:52.39
Audit Value: 26.69 The lender included the debts associated with his business within the DTI, although these debts have already been taken into account in the borrower's S/E income calculation.
OBX2021J30186 DTI 30.77 % 30.82 % Summary: Incoming Value:30.77
Audit Value: 30.82 DTI within guidelines
OBX2021J30186 Property Address Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled From Note
OBX2021J30125 Borrower Self Employed Yes No Summary: Incoming Value:Yes
Audit Value: Audit value pulled from documents located in the loan file
OBX2021J30125 DTI 29.15 % 29.09 % Summary: Incoming Value:29.15
Audit Value: 29.09 DTI within guidelines
OBX2021J30302 DTI 32.45 % 31.52 % Summary: Incoming Value:32.45
Audit Value: 31.52 variance due to primary PITI calculation
OBX2021J30300 First Payment Date Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled From Note
OBX2021J30300 LTV 72.27 % 63.39% Summary: Incoming Value: 72.27
Audit Value: Audit Value of 1st lien / Value 63.39
Lender's 1008 matches audit value
OBX2021J30281 LTV 38.82 % 38.83 % Summary: Incoming Value: 38.82
Audit Value: 38.83.  Rounding
OBX2021J30281 Original Loan Amount Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled From Note
OBX2021J30281 Property Address Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled From Note
OBX2021J30525 Property Address Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled From Note
OBX2021J30525 Property City Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled from Mortgage/DOT
OBX2021J30526 Property Zip Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled From Note
OBX2021J30360 Property Address Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled From Note
OBX2021J30421 First Payment Date Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled From Note
Note confirms first payment date is Per Data
OBX2021J30421 LTV 66.67 % 55.84% Income value: 66.67
Audit Value: Audit Value of 1st lien / Value 55.84
AUS showed a lower sales price that was not supported by the sales contract.
OBX2021J30507 LTV 80.00 % 78.51 % Income value: 80.00
Audit Value: Audit Value of 1st lien / Value 78.51
AUS showed same LTV as audit
OBX2021J30527 First Payment Date Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled From Note
OBX2021J30527 LTV 69.33 % 69.51 % Income value: 69.33
Audit Value: Audit Value of 1st lien / Value 69.51
AUS showed the same values used by audit.
OBX2021J30527 Property Address Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled From Note
OBX2021J30531 First Payment Date Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled From Note
OBX2021J30531 LTV 69.74 % 70.00 % Income value: 69.74
Audit Value: Audit Value of 1st lien / Value 70.00
AUS showed the same values used by audit.
OBX2021J30531 Original Loan Amount Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: XXX Audit Value Pulled From Note
OBX2021J30524 First Payment Date Per Tape Per Data Summary: Incoming Value: Per Tape
Audit Value: Audit Value Pulled From Note
OBX2021J30034 DTI 32.65% 32.64% Summary: Incoming Value:32.65
Audit Value: 32.64 Audit value matches lender DTI
OBX2021J30158 DTI 22.32% 22.13% Summary: Incoming Value:22.32
Audit Value: 22.13 DTI is within guidelines

 

 

Exhibit 99.04

 

Customer Loan ID Loan Exception ID Exception ID Exception Category Exception Sub Category Exception Description Exception Comments Seller Response Reviewer Response Compensating Factors Exception Status Initial Exception Grade Final Exception Grade Initial DBRS Exception Grade Final DBRS Exception Grade Initial Moodys Exception Grade Final Moodys Exception Grade Initial Fitch Exception Grade Final Fitch Exception Grade Initial Kroll Exception Grade Final Kroll Exception Grade Initial S&P Exception Grade Final S&P Exception Grade Subject to Predatory Lending HUD Category
OBX2021J30045 XXXX 17553 Credit   Missing Balance Sheet for Schedule C (Borrower 1) Borrower 1 is self-employed and the balance sheet is missing or not executed for the Schedule C Business listed in position 2 on the application.   Balance Sheet in file: No   (2021-05-21) Lender provided an LOE from the borrower stating that this business does not carry any asset, liability and capital over from year to year and therefore does not have a balance sheet. Condition cleared.  UW Guides require 17.16 months reserves, loan qualified with 102.60 months reserves.; Borrower has 5.00 years self employed.; UW guides maximum DTI of 43.00%, loan qualified with DTI of 40.19%. ; FICO is higher than guidelines. FICO is:  791 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30045 XXXX 16463 Credit   Missing Secondary Valuation A valid secondary valuation supporting the origination appraisal value is not present, CU Score not used for secondary valuation, No CDA in File, AVM not required, Field Review not required   (2021-03-18) CDA value supports OA value. Condition cleared.  UW Guides require 17.16 months reserves, loan qualified with 102.60 months reserves.; Borrower has 5.00 years self employed.; UW guides maximum DTI of 43.00%, loan qualified with DTI of 40.19%. ; FICO is higher than guidelines. FICO is:  791 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30045 XXXX 2337 Compliance   RESPA: Toolkit Missing or Incomplete RESPA: Required Evidence of Toolkit Missing

The exception status is currently Acknowledged by Client.
This breach finding is non-material and will be rated a B grade.		   (2021-03-16) This breach finding is non-material and will be rated a B grade.  UW Guides require 17.16 months reserves, loan qualified with 102.60 months reserves.; Borrower has 5.00 years self employed.; UW guides maximum DTI of 43.00%, loan qualified with DTI of 40.19%. ; FICO is higher than guidelines. FICO is:  791 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30016 XXXX -99953 Compliance   TILA Right of Rescission Test This loan passed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is not before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.

Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX1.  The Final CD reflects the loan disbursed on XX/XX/XXXX did not giving the Borrower a full 3 days rescission.  TILA 130(b) - within 60 days of discovery. Provide corrected CD, letter of explanation, proof of delivery and re-open rescission, if applicable.		   (2021-05-07) The Lender provided a final ALTA stmt, reflecting a disbursement date of XX/XX/XXXX, which is the day after the end of the rescission period, per the NORTC.   Updated the final CD with this info.  Finding cleared.  Refinance reduces total housing payment by  $-435.36.; Primary borrower has 27.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 31.02%. ; Refinance reduces rate from 3.88% to 2.50%. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30055 XXXX 11292 Credit   HMDA Data Discrepancy - Total Loan Costs A HMDA Data Tape Discrepancy has been identified for Total Loan Costs.  Audit $XXXXX.XX  vs Data Tape $XXXXX.XX.

   (2021-04-15) Lender agrees with audit value. Condition cleared.  Refinance reduces total housing payment by  $-XXXX.XX.; Primary borrower has 21.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 34.85%. ; Refinance reduces rate from 4.13% to 2.75%. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30055 XXXX 15997 Credit   Required Documentation is Missing The loan file is missing XXXX Business returns for SCorp(1).   (2021-07-16) The lender provided a signed XXXX doc.  Finding cleared.
(2021-04-15) Lender provided the borrower's XXXX 1120S Business Returns.  However, said document was not executed and dated by the borrower, as required by QM. Condition remains. 		 Refinance reduces total housing payment by  $-XXXX.XX.; Primary borrower has 21.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 34.85%. ; Refinance reduces rate from 4.13% to 2.75%. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30055 XXXX 16965 Compliance   Information required for CD 'Contact Information' License ID section not completed or completed in error |SFA 3.0 Information required for CD 'Contact Information' License ID section not completed, or completed in error

The exception status is currently Acknowledged by Client.
This breach finding is non-material and will be rated a B grade.		   (2021-04-08) This breach finding is non-material and will be rated a B grade.  Refinance reduces total housing payment by  $-XXXX.XX.; Primary borrower has 21.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 34.85%. ; Refinance reduces rate from 4.13% to 2.75%. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30149 XXXX 7023 Credit   Employment history less than 2 years for Coborrower Per Appendix Q, a creditor must verify the consumer’s employment for the most recent two full years, and the consumer must explain any gaps in employment that span one or more months and Indicate if he/she was in school or the military for the recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers.  Coborrower does not have 2 years of employment history.

Missing VOE for previous employment to cover a full 2 year period.		   (2021-06-01) Lender provided documentation to meet lender requirement.  Condition Cleared.  UW Guides require 15.00 months reserves, loan qualified with 55.94 months reserves.; Primary borrower has 6.50 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 23.49%. ; FICO is higher than guidelines. FICO is:  757 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30149 XXXX 1102 Credit   Missing Permanent Resident Alien Card (Borrower 1) Missing Permanent Resident Alien Card for Borrower 1   (2021-05-21) Permanent Resident Alien Card is Yes
(2021-05-21) Lender provided an acceptable copy of the borrower's green card.  Condition is cleared.		  UW Guides require 15.00 months reserves, loan qualified with 55.94 months reserves.; Primary borrower has 6.50 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 23.49%. ; FICO is higher than guidelines. FICO is:  757 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30149 XXXX 2337 Compliance   RESPA: Toolkit Missing or Incomplete RESPA: Required Evidence of Toolkit Missing

.
The exception status is currently Acknowledged by Client.
This breach finding is non-material and will be rated a B grade.		   (2021-04-28) This breach finding is non-material and will be rated a B grade.  UW Guides require 15.00 months reserves, loan qualified with 55.94 months reserves.; Primary borrower has 6.50 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 23.49%. ; FICO is higher than guidelines. FICO is:  757 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30070 XXXX 1457 Credit   Missing Executed Personal Tax Returns for Borrower Guidelines state: At least 2 years personal returns required.  Status of Personal Tax Return: No.  Tax Transcripts in file: N/A.  Details: Missing XXXX Personal Tax returns.   (2021-07-01) The lender provided XXXX 1040's and a supporting tax transcript.  Finding cleared.  Refinance reduces total housing payment by  $-XX.XX.; UW Guides require 27.18 months reserves, loan qualified with 58.41 months reserves.; Primary borrower has 26.00 years in field. ; Borrower has 15.00 years self employed.; UW guides maximum DTI of 43.00%, loan qualified with DTI of 16.70%. ; Refinance reduces rate from 3.63% to 3.13%.; FICO is higher than guidelines. FICO is:  788 and the guideline  is:680. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30070 XXXX -99953 Compliance   TILA Right of Rescission Test This loan passed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is not before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.

Right to Cancel provided in the loan file reflects an expiration date after the loan disbursed per the final CD; not giving the Borrower a full 3 days rescission. TILA 130(b) - within 60 days of discovery. Provide corrected CD, letter of explanation, proof of delivery and re-open rescission, if applicable.		   (2021-07-13) The lender provided a final certified ALTA stmt which reflects a disb date of XX/XX/XXXX, and provides for a full rescission period.  Finding cleared.
(2021-07-01) The lender provided an updated CD with a disb date of XX/XX/XXXX.  However, an ALTA statement or a wire disb sheet from XXXX are required to confirm that the loan disbursed on XX/XX/XXXX, thereby providing a proper rescission period.  Finding retained.
(2021-06-14) Right to Cancel provided in the loan file reflects an expiration date after the loan disbursed per the final CD; not giving the Borrower a full 3 days rescission. TILA 130(b) - within 60 days of discovery. Provide corrected CD, letter of explanation, proof of delivery and re-open rescission, if applicable.		  Refinance reduces total housing payment by  $-XX.XX.; UW Guides require 27.18 months reserves, loan qualified with 58.41 months reserves.; Primary borrower has 26.00 years in field. ; Borrower has 15.00 years self employed.; UW guides maximum DTI of 43.00%, loan qualified with DTI of 16.70%. ; Refinance reduces rate from 3.63% to 3.13%.; FICO is higher than guidelines. FICO is:  788 and the guideline  is:680. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30132 XXXX 16965 Compliance   Information required for CD 'Contact Information' License ID section not completed or completed in error |SFA 3.0 Information required for CD 'Contact Information' License ID section not completed, or completed in error

This breach finding is non-material and will be rated a B grade.
The exception status is currently Acknowledged by Client.
The final Closing Disclosure’s Contact Information section is incomplete. The Contact St license ID of the Settlement Agent is missing. 		  (2021-06-03) This breach finding is non-material and will be rated a B grade.  Borrower has resided in current property for 17.75 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 49.92 and the guideline is: 80.00.; UW Guides require 15.00 months reserves, loan qualified with 15.57 months reserves.; UW guides maximum DTI of 43.00%, loan qualified with DTI of 28.19%. ; Refinance reduces rate from 4.25% to 3.00%.; FICO is higher than guidelines. FICO is:  768 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30104 XXXX 10669 Credit   HMDA Data Discrepancy - Property Value A HMDA Data Tape Discrepancy has been identified for property value.  Audit $XXXXXXX.XX  vs Data Tape $XXXXXXX.XX.

   (2021-06-22) Upon further review, audit value matches HMDA tape. Condition cleared.  CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 35.50 and the guideline is: 75.00.; UW Guides require 15.00 months reserves, loan qualified with 409.70 months reserves.; UW guides maximum DTI of 43.00%, loan qualified with DTI of 23.60%. ; FICO is higher than guidelines. FICO is:  774 and the guideline  is:720. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30092 XXXX 15997 Credit   Required Documentation is Missing The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply.   (2021-07-14) HMDA tape has been uploaded.  Finding cleared.

(2021-06-23) The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply.		  Borrower has resided in current property for 6.00 years. ; Primary borrower has 12.00 years in field. ; Refinance reduces rate from 3.50% to 2.75%. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30092 XXXX 16805 Compliance   Illinois (IL) TItle Company Selection Disclosure is missing or not provided Illinois TItle Company Selection Disclosure is missing or not provided   (2021-06-23) This breach finding is non-material and will be rated a B grade.  Borrower has resided in current property for 6.00 years. ; Primary borrower has 12.00 years in field. ; Refinance reduces rate from 3.50% to 2.75%. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30101 XXXX 1455 Credit   Missing Evidence of Insurance for Second Home Missing Evidence of Insurance for Second Home   (2021-06-15) The lender provided a copy of an active HOI policy for the borrowers' 2nd home.  Finding cleared.  UW Guides require 20.23 months reserves, loan qualified with 61.13 months reserves.; Primary borrower has 8.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 40.79%. ; FICO is higher than guidelines. FICO is:  789 and the guideline  is:720. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30125 XXXX 11292 Credit   HMDA Data Discrepancy - Total Loan Costs A HMDA Data Tape Discrepancy has been identified for Total Loan Costs.  Audit $XXXX.XX  vs Data Tape $XXXX.XX.   (2021-07-14) Lender agrees with audit value. Condition cleared.  Refinance reduces total housing payment by  $-XXXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 57.77 and the guideline is: 70.00.; UW Guides require 18.17 months reserves, loan qualified with 29.11 months reserves.; Primary borrower has 11.50 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 29.09%. ; Refinance reduces rate from 3.63% to 3.00%.; FICO is higher than guidelines. FICO is:  776 and the guideline  is:740. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30125 XXXX 15997 Credit   Required Documentation is Missing The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply.   (2021-07-09) The lender provided the HMDA tape, which has been uploaded to Paragon.  Finding cleared.
(2021-06-23) The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply.		  Refinance reduces total housing payment by  $-XXXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 57.77 and the guideline is: 70.00.; UW Guides require 18.17 months reserves, loan qualified with 29.11 months reserves.; Primary borrower has 11.50 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 29.09%. ; Refinance reduces rate from 3.63% to 3.00%.; FICO is higher than guidelines. FICO is:  776 and the guideline  is:740. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30125 XXXX 16965 Compliance   Information required for CD 'Contact Information' License ID section not completed or completed in error |SFA 3.0 Information required for CD 'Contact Information' License ID section not completed, or completed in error

This breach finding is non-material and will be rated a B grade.
The exception status is currently Acknowledged by Client.
The final Closing Disclosure’s Contact Information section is incomplete. The Contact St license ID of the Settlement Agent is missing. Provide re-disclosed CD and letter of explanation.		   (2021-06-23) This breach finding is non-material and will be rated a B grade.  Refinance reduces total housing payment by  $-XXXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 57.77 and the guideline is: 70.00.; UW Guides require 18.17 months reserves, loan qualified with 29.11 months reserves.; Primary borrower has 11.50 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 29.09%. ; Refinance reduces rate from 3.63% to 3.00%.; FICO is higher than guidelines. FICO is:  776 and the guideline  is:740. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30186 XXXX 15997 Credit   Required Documentation is Missing Second appraisal is missing for loan amonts greater than $X.X million.   (2021-07-14) HMDA tape has been uploaded.  Finding cleared.

(2021-06-30) The HMDA Data Tape required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data Tape. Additional conditions may apply.
(2021-06-23) The HMDA Data Tape required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data Tape. Additional conditions may apply.		  Borrower has resided in current property for 20.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 31.58 and the guideline is: 75.00.; UW Guides require 15.00 months reserves, loan qualified with 112.61 months reserves.; Primary borrower has 20.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 30.82%. ; Refinance reduces rate from 3.75% to 3.13%.; FICO is higher than guidelines. FICO is:  771 and the guideline  is:720. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30202 XXXX 1456 Credit   Missing Evidence of Insurance for REO1 Missing Evidence of Insurance for property 2 on final application   (2021-07-16) The mortgage statement for REO1 shows escrows in the amount of $XXX.XX.  The annual taxes are $XXXX.XX which is $XXX.XX / mo, which leaves $XX.XX for insurance.  Neither LD nor FNMA GLs require evidence of HOI on other REO.  Finding cleared.  UW Guides require 15.00 months reserves, loan qualified with 224.76 months reserves.; Primary borrower has 12.58 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 26.45%. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30202 XXXX 994 Credit   Missing Purchase Contract A copy of the purchase contract was not provided.

Addendum only in file. 		  (2021-06-22) The Lender provided the original executed sales contract.  Finding cleared.
(2021-06-18) The Lender provided the original executed sales contract.  Finding cleared.
(2021-06-10) Addendum only in file. 		 UW Guides require 15.00 months reserves, loan qualified with 224.76 months reserves.; Primary borrower has 12.58 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 26.45%. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30202 XXXX 1293 Compliance   Privacy Notice Required - Missing or Incomplete Privacy Notice Missing

This breach finding is non-material and will be rated a B grade.
The exception status is currently Acknowledged by Client.		   (2021-06-23) This breach finding is non-material and will be rated a B grade.  UW Guides require 15.00 months reserves, loan qualified with 224.76 months reserves.; Primary borrower has 12.58 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 26.45%. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30302 XXXX 15997 Credit   Required Documentation is Missing The HMDA data tape required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply.
The HMDA data tape required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply.		   (2021-07-09) The lender provided the HMDA data tape which has been uploaded to Paragon.  Finding cleared.  UW Guides require 16.39 months reserves, loan qualified with 33.23 months reserves.; Primary borrower has 18.25 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 31.52%. ; FICO is higher than guidelines. FICO is:  767 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30373 XXXX 15997 Credit   Required Documentation is Missing The HMDA data tape required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply.
The HMDA data tape required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply.		   (2021-07-14) HMDA tape has been uploaded.  Finding cleared.  Borrower has resided in current property for 35.50 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 33.33 and the guideline is: 75.00.; UW Guides require 15.75 months reserves, loan qualified with 126.62 months reserves.; Primary borrower has 30.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 33.25%. ; Refinance reduces rate from 3.88% to 3.25%.; FICO is higher than guidelines. FICO is:  786 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30373 XXXX -96348 Compliance   Lender Credits That Cannot Decrease Test This loan passed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains lender credits that do not exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXX.XX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).   (2021-07-01) The Lender credit have remained the same, $XXX.XX, on all the CD's.  Finding cleared.  Borrower has resided in current property for 35.50 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 33.33 and the guideline is: 75.00.; UW Guides require 15.75 months reserves, loan qualified with 126.62 months reserves.; Primary borrower has 30.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 33.25%. ; Refinance reduces rate from 3.88% to 3.25%.; FICO is higher than guidelines. FICO is:  786 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30373 XXXX -96383 Compliance   TRID Initial Closing Disclosure Date and Funding Date Validation Test This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields.   (2021-07-01) Lender provided a post closing CD, Letter of Explanation and proof of delivery correcting the Funding date to XX/XX/XXXX.  Condition Cleared.  Borrower has resided in current property for 35.50 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 33.33 and the guideline is: 75.00.; UW Guides require 15.75 months reserves, loan qualified with 126.62 months reserves.; Primary borrower has 30.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 33.25%. ; Refinance reduces rate from 3.88% to 3.25%.; FICO is higher than guidelines. FICO is:  786 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30173 XXXX 15231 Credit   Missing 3rd Party Verbal Verification of Employment 1 (Borrower) Missing 3rd Party Verbal Verification of Employment for Borrower's job in position 1 on the application.

The exception status is currently Active.
Lender provided the 3rd Party Verbal Verification of Employment for Borrower1 dated XX/XX/XXXX.  Condition Cleared.  		   (2021-06-16) Lender provided the 3rd Party Verbal Verification of Employment for Borrower1 dated XX/XX/XXXX.  Condition Cleared.    CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 66.46 and the guideline is: 80.00.; UW Guides require 15.00 months reserves, loan qualified with 16.08 months reserves.; Primary borrower has 15.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 29.09%. ; FICO is higher than guidelines. FICO is:  802 and the guideline  is:720. Cleared 2 1 B A B A B A B A B A Yes  
OBX2021J30507 XXXX 18810 Credit   HMDA Data Discrepancy - Property Value A HMDA Data Tape Discrepancy has been identified for property value. Audit $XXXXXXX.XX vs Data Tape $XXXXXXX.XX.   (2021-07-27) Condition cleared.  UW Guides require 12.00 months reserves, loan qualified with 59.99 months reserves.; Primary borrower has 11.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  811 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30507 XXXX 18794 Credit   HMDA Data Discrepancy - Zip A HMDA Data Tape Discrepancy has been identified for zip. Audit XXXXX vs Data Tape ___.   (2021-07-27) HMDA information was not uploaded originally.  Finding rescinded.    UW Guides require 12.00 months reserves, loan qualified with 59.99 months reserves.; Primary borrower has 11.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  811 and the guideline  is:700. Rescind 1 1 A A A A A A A A A A Yes  
OBX2021J30507 XXXX 15279 Credit   Missing HMDA Data Tape The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply   (2021-07-16) HMDA tape has been provided. Condition cleared.  UW Guides require 12.00 months reserves, loan qualified with 59.99 months reserves.; Primary borrower has 11.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  811 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30507 XXXX -96366 Compliance   Charges That Cannot Increase Test This loan passed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).   (2021-07-15) Seller confirmed closed on Saturday. Condition cleared.  UW Guides require 12.00 months reserves, loan qualified with 59.99 months reserves.; Primary borrower has 11.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  811 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30507 XXXX -96368 Compliance   Consummation or Reimbursement Date Validation Test This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.   (2021-07-15) Seller confirmed closed on Saturday. Condition cleared.  UW Guides require 12.00 months reserves, loan qualified with 59.99 months reserves.; Primary borrower has 11.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  811 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30507 XXXX -96348 Compliance   Lender Credits That Cannot Decrease Test This loan passed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains lender credits that do not exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) exceeds or equals the comparable sum of specific and non-specific lender credits ($0.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).   (2021-07-15) Seller confirmed closed on Saturday. Condition cleared.  UW Guides require 12.00 months reserves, loan qualified with 59.99 months reserves.; Primary borrower has 11.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  811 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30507 XXXX -96369 Compliance   Reimbursement Amount Validation Test This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.   (2021-07-15) Seller confirmed closed on Saturday. Condition cleared.  UW Guides require 12.00 months reserves, loan qualified with 59.99 months reserves.; Primary borrower has 11.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  811 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30507 XXXX 1392 Compliance   RESPA: AfBA Disclosure is Missing or Incomplete RESPA: AfBA Disclosure is Missing (2021-07-13) ABA (2021-07-13) Seller provided post close attestation of no affiliates. This finding is deemed non-material and will be rated a B Grade.
(2021-07-13) This finding is non-material and will be rated a B grade.		  UW Guides require 12.00 months reserves, loan qualified with 59.99 months reserves.; Primary borrower has 11.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  811 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30507 XXXX -96455 Compliance   Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test This loan failed the revised closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 ,  12 CFR §1026.19(e)(4)(i) )The revised closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). (2021-07-15) Closed on Saturday (2021-07-15) Seller confirmed closed on Saturday. Condition cleared.  UW Guides require 12.00 months reserves, loan qualified with 59.99 months reserves.; Primary borrower has 11.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  811 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30421 XXXX 18040 Credit   Missing 3rd Party Verbal Verification of Employment (Borrower) Missing 3rd Party Verbal Verification of Employment dated within 10 Business days prior to the Note date for Borrower’s job in position 1 on the application. Status of possible documentation for verification of employment:  VVOE Not in file, Employment Letter Not in file, WVOE Not in file. The note date is XX/XX/XXXX. ___ ___   (2021-08-05) VVOE dated within 10 days prior to Note date was provided.  Condition cleared.  Borrower has resided in current property for 5.92 years. ; Refinance reduces total housing payment by  $XX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 75.00.; UW Guides require 9.00 months reserves, loan qualified with 387.15 months reserves.; UW guides maximum DTI of 40.00%, loan qualified with DTI of 20.02%. ; Refinance reduces rate from 3.88% to 3.13%.; FICO is higher than guidelines. FICO is:  748 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30421 XXXX 18049 Credit   Missing 3rd Party Verbal Verification of Employment (CoBorrower) Missing 3rd Party Verbal Verification of Employment dated within 10 Business days prior to the Note date for CoBorrower’s job in position 1 on the application. Status of possible documentation for verification of employment:  VVOE Not in file, Employment Letter Not in file, WVOE Not in file. The note date is XX/XX/XXXX. ___ ___   (2021-08-05) VVOE dated within 10 days prior to Note date was provided.  Condition cleared.  Borrower has resided in current property for 5.92 years. ; Refinance reduces total housing payment by  $XX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 75.00.; UW Guides require 9.00 months reserves, loan qualified with 387.15 months reserves.; UW guides maximum DTI of 40.00%, loan qualified with DTI of 20.02%. ; Refinance reduces rate from 3.88% to 3.13%.; FICO is higher than guidelines. FICO is:  748 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30421 XXXX 15279 Credit   Missing HMDA Data Tape The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply   (2021-08-05) HMDA data tape was provided.  Condition cleared.  Borrower has resided in current property for 5.92 years. ; Refinance reduces total housing payment by  $XX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 75.00.; UW Guides require 9.00 months reserves, loan qualified with 387.15 months reserves.; UW guides maximum DTI of 40.00%, loan qualified with DTI of 20.02%. ; Refinance reduces rate from 3.88% to 3.13%.; FICO is higher than guidelines. FICO is:  748 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30421 XXXX 18726 Compliance   QM ATR Failure - Current Income: Income documentation does not meet requirements QM ATR Failure - Current Income: Income documentation does not meet requirements
Verbal verifications of employment are dated after the Note. 		  (2021-08-05) VVOES dated within 10 days prior to the Note date were provided.    Borrower has resided in current property for 5.92 years. ; Refinance reduces total housing payment by  $XX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 75.00.; UW Guides require 9.00 months reserves, loan qualified with 387.15 months reserves.; UW guides maximum DTI of 40.00%, loan qualified with DTI of 20.02%. ; Refinance reduces rate from 3.88% to 3.13%.; FICO is higher than guidelines. FICO is:  748 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30421 XXXX 1392 Compliance   RESPA: AfBA Disclosure is Missing or Incomplete RESPA: AfBA Disclosure is Missing   (2021-08-04) This finding is non-material and will be rated a B grade.  Borrower has resided in current property for 5.92 years. ; Refinance reduces total housing payment by  $XX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 75.00.; UW Guides require 9.00 months reserves, loan qualified with 387.15 months reserves.; UW guides maximum DTI of 40.00%, loan qualified with DTI of 20.02%. ; Refinance reduces rate from 3.88% to 3.13%.; FICO is higher than guidelines. FICO is:  748 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30525 XXXX 18813 Credit   HMDA Data Discrepancy - Loan Officer NMLS ID A HMDA Data Tape Discrepancy has been identified for loan officer NMLS ID. Audit XXXXXXX vs Data Tape XXXXXX.   (2021-07-19) Finding not applicable, rescinded.    CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 22.46 months reserves.; Primary borrower has 18.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  765 and the guideline  is:700. Rescind 1 1 A A A A A A A A A A Yes  
OBX2021J30525 XXXX 18794 Credit   HMDA Data Discrepancy - Zip A HMDA Data Tape Discrepancy has been identified for zip. Audit XXXXX vs Data Tape ___. (2021-07-20) Audit zip code is correct (2021-07-20) Lender agrees with audit value.  Condition cleared.    CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 22.46 months reserves.; Primary borrower has 18.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  765 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30525 XXXX 1137 Credit   Missing 4506-T Missing 4506T for borrower(s) on loan.  Total number Borrowers is  2
 Borrower: No
CoBorrower: Yes
Borrower 3: ___
Borrower 4: ___		   (2021-07-20) Initial 4506C was provided. Condition cleared.  CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 22.46 months reserves.; Primary borrower has 18.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  765 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30525 XXXX 15279 Credit   Missing HMDA Data Tape The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply (2021-07-19) HMDA Data Tape uploaded to ShareDrive (2021-07-19) HMDA Data Tape was provided.  Condition cleared.    CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 22.46 months reserves.; Primary borrower has 18.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  765 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30525 XXXX 1392 Compliance   RESPA: AfBA Disclosure is Missing or Incomplete RESPA: AfBA Disclosure is Missing   (2021-07-06) This finding is non-material and will be rated a B grade.  CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 22.46 months reserves.; Primary borrower has 18.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  765 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30525 XXXX 2598 Compliance   RESPA: Servicing Transfer Notice Missing RESPA: Servicing Transfer Notice Missing   (2021-07-06) This finding is non-material and will be rated a B grade.  CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 22.46 months reserves.; Primary borrower has 18.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  765 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30281 XXXX 18794 Credit   HMDA Data Discrepancy - Zip A HMDA Data Tape Discrepancy has been identified for zip. Audit XXXXX vs Data Tape ___. (2021-07-20) Audit zip code is correct (2021-07-20) Lender agrees with audit value.  Condition cleared.  Borrower has resided in current property for 26.75 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 32.35 months reserves.; Primary borrower has 36.00 years in field. ; Borrower has 33.00 years self employed.; Refinance reduces rate from 4.38% to 3.13%.; FICO is higher than guidelines. FICO is:  801 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30281 XXXX 928 Credit   Incomplete Mortgage/Deed of Trust All pages of the Mortgage/Deed of Trust were not provided. (2021-07-09) Page 12 attached
(2021-07-09) Page 12 attached		 (2021-07-09) Seller provided signed page 12. Condition cleared.  Borrower has resided in current property for 26.75 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 32.35 months reserves.; Primary borrower has 36.00 years in field. ; Borrower has 33.00 years self employed.; Refinance reduces rate from 4.38% to 3.13%.; FICO is higher than guidelines. FICO is:  801 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30281 XXXX 1137 Credit   Missing 4506-T Missing 4506T for borrower(s) on loan.  Total number Borrowers is  2
 Borrower: No
CoBorrower: Yes
Borrower 3: ___
Borrower 4: ___		 (2021-07-09) Initial 4506C attached (2021-07-09) Seller provided Initial 4506C. Condition cleared.  Borrower has resided in current property for 26.75 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 32.35 months reserves.; Primary borrower has 36.00 years in field. ; Borrower has 33.00 years self employed.; Refinance reduces rate from 4.38% to 3.13%.; FICO is higher than guidelines. FICO is:  801 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30281 XXXX 932 Credit   Missing AUS results Missing AUS results. (2021-07-09) AUS attached (2021-07-09) Seller provided AUS. Condition cleared.  Borrower has resided in current property for 26.75 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 32.35 months reserves.; Primary borrower has 36.00 years in field. ; Borrower has 33.00 years self employed.; Refinance reduces rate from 4.38% to 3.13%.; FICO is higher than guidelines. FICO is:  801 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30281 XXXX 17504 Credit   Missing Balance Sheet for Corporation (Borrower 1) Borrower 1 is self-employed and the balance sheet is missing or not executed for the corporation listed in position 1 on the application.   Balance Sheet in file: No (2021-07-12) XXXX Balance Sheet attached (2021-07-12) Seller provided XXXX Balance Sheet. Condition cleared.  Borrower has resided in current property for 26.75 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 32.35 months reserves.; Primary borrower has 36.00 years in field. ; Borrower has 33.00 years self employed.; Refinance reduces rate from 4.38% to 3.13%.; FICO is higher than guidelines. FICO is:  801 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30281 XXXX 15279 Credit   Missing HMDA Data Tape The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply (2021-07-19) HMDA Data Tape uploaded to ShareDrive (2021-07-19) HMDA Data Tape was provided.  Condition cleared.    Borrower has resided in current property for 26.75 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 32.35 months reserves.; Primary borrower has 36.00 years in field. ; Borrower has 33.00 years self employed.; Refinance reduces rate from 4.38% to 3.13%.; FICO is higher than guidelines. FICO is:  801 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30281 XXXX 16299 Compliance   Final Closing Disclosure is missing or incomplete |SFA 3.0 Final Closing Disclosure is missing or incomplete (2021-07-09) CD signed at closing attached (2021-07-09) Seller provided signed copy of final Closing Disclosure. Condition cleared.
(2021-07-09) Seller provided signed copy of final Closing Disclosure. Condition cleared.		  Borrower has resided in current property for 26.75 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 32.35 months reserves.; Primary borrower has 36.00 years in field. ; Borrower has 33.00 years self employed.; Refinance reduces rate from 4.38% to 3.13%.; FICO is higher than guidelines. FICO is:  801 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30281 XXXX 18726 Compliance   QM ATR Failure - Current Income: Income documentation does not meet requirements QM ATR Failure - Current Income: Income documentation does not meet requirements (2021-07-12) XXXX Balance Sheet attached. (2021-07-12) Seller provided XXXX Balance Sheet. Condition cleared.  Borrower has resided in current property for 26.75 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 32.35 months reserves.; Primary borrower has 36.00 years in field. ; Borrower has 33.00 years self employed.; Refinance reduces rate from 4.38% to 3.13%.; FICO is higher than guidelines. FICO is:  801 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30281 XXXX 1392 Compliance   RESPA: AfBA Disclosure is Missing or Incomplete RESPA: AfBA Disclosure is Missing   (2021-07-07) This finding is non-material and will be rated a B grade.  Borrower has resided in current property for 26.75 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 32.35 months reserves.; Primary borrower has 36.00 years in field. ; Borrower has 33.00 years self employed.; Refinance reduces rate from 4.38% to 3.13%.; FICO is higher than guidelines. FICO is:  801 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30281 XXXX 2598 Compliance   RESPA: Servicing Transfer Notice Missing RESPA: Servicing Transfer Notice Missing   (2021-07-07) This finding is non-material and will be rated a B grade.  Borrower has resided in current property for 26.75 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 32.35 months reserves.; Primary borrower has 36.00 years in field. ; Borrower has 33.00 years self employed.; Refinance reduces rate from 4.38% to 3.13%.; FICO is higher than guidelines. FICO is:  801 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30273 XXXX 18794 Credit   HMDA Data Discrepancy - Zip A HMDA Data Tape Discrepancy has been identified for zip. Audit XXXXX vs Data Tape ___. (2021-07-20) Audit zip code is correct (2021-07-20) Lender agrees with audit value.  Condition cleared.  Borrower has resided in current property for 13.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; Primary borrower has 25.00 years in field. ; Borrower has 25.00 years self employed.; UW guides maximum DTI of 35.00%, loan qualified with DTI of 24.55%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  740 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30273 XXXX 1137 Credit   Missing 4506-T Missing 4506T for borrower(s) on loan.  Total number Borrowers is  2
 Borrower: No
CoBorrower: ___
Borrower 3: ___
Borrower 4: ___		   (2021-07-06) Initial 4506-C was provided.  Condition cleared.  Borrower has resided in current property for 13.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; Primary borrower has 25.00 years in field. ; Borrower has 25.00 years self employed.; UW guides maximum DTI of 35.00%, loan qualified with DTI of 24.55%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  740 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30273 XXXX 17543 Credit   Missing Balance Sheet for S Corporation (Borrower 1) Borrower 1 is self-employed and the balance sheet is missing or not executed for the S-Corporation listed in position 1 on the application.   Balance Sheet in file: No (2021-07-06) Both borrower own the same business, XXX XXXXXXXX XXX, balance sheets were provided in the credit pkg submitted pages 327 thru 330. (2021-07-06) Audit re-reviewed loan file and signed copies of Balance Sheet were found.  Condition cleared.    Borrower has resided in current property for 13.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; Primary borrower has 25.00 years in field. ; Borrower has 25.00 years self employed.; UW guides maximum DTI of 35.00%, loan qualified with DTI of 24.55%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  740 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30273 XXXX 17595 Credit   Missing Balance Sheet for S Corporation (CoBorrower) CoBorrower is self-employed and the balance sheet is missing or not executed for the S-Corporation listed in position 1 on the application.   Balance Sheet in file: No (2021-07-06) Both borrower own the same business, XXX XXXXXXXX XXX, balance sheets were provided in the credit pkg submitted pages 327 thru 330 (2021-07-06) Audit re-reviewed loan file and signed Balance Sheets were found.  Condition cleared.  Borrower has resided in current property for 13.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; Primary borrower has 25.00 years in field. ; Borrower has 25.00 years self employed.; UW guides maximum DTI of 35.00%, loan qualified with DTI of 24.55%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  740 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30273 XXXX 15279 Credit   Missing HMDA Data Tape The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply (2021-07-19) HMDA Data Tape uploaded to ShareDrive
(2021-07-06) Still working on the HMDA tape for you, our 3.2/3.4 file is not working we had to reach out to have a tape created.		 (2021-07-19) HMDA Data Tape was provided.  Condition cleared.  
(2021-07-07) Lender working on the HMDA tape.  Condition retained.  		  Borrower has resided in current property for 13.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; Primary borrower has 25.00 years in field. ; Borrower has 25.00 years self employed.; UW guides maximum DTI of 35.00%, loan qualified with DTI of 24.55%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  740 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30273 XXXX 13095 Credit   Missing Payoff Statement for prior loan Missing payoff statement for prior loan.   (2021-07-06) Payoff statement for 1st mortgage was provided.  Condition cleared.  Borrower has resided in current property for 13.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; Primary borrower has 25.00 years in field. ; Borrower has 25.00 years self employed.; UW guides maximum DTI of 35.00%, loan qualified with DTI of 24.55%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  740 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30273 XXXX 15997 Credit   Required Documentation is Missing The loan file is missing required AUS reflecting final loan parameters.  AUS in file reflects LTV of 55%, actual LTV is 58.631 (or 59%). (2021-07-12) AUS attached (2021-07-12) Seller provided AUS reflecting 59% LTV. Condition cleared.  Borrower has resided in current property for 13.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; Primary borrower has 25.00 years in field. ; Borrower has 25.00 years self employed.; UW guides maximum DTI of 35.00%, loan qualified with DTI of 24.55%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  740 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30273 XXXX 18726 Compliance   QM ATR Failure - Current Income: Income documentation does not meet requirements QM ATR Failure - Current Income: Income documentation does not meet requirements (2021-07-06) The initial 4506C was provided in the condition above and the Balance sheets were included in our credit pkg pages 326 thru 330. (2021-07-06) Initial 4506C and signed Balance Sheets were provided.  Condition cleared.  Borrower has resided in current property for 13.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; Primary borrower has 25.00 years in field. ; Borrower has 25.00 years self employed.; UW guides maximum DTI of 35.00%, loan qualified with DTI of 24.55%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  740 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30273 XXXX 1392 Compliance   RESPA: AfBA Disclosure is Missing or Incomplete RESPA: AfBA Disclosure is Missing   (2021-07-02) This finding is non-material and will be rated a B grade.  Borrower has resided in current property for 13.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; Primary borrower has 25.00 years in field. ; Borrower has 25.00 years self employed.; UW guides maximum DTI of 35.00%, loan qualified with DTI of 24.55%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  740 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30273 XXXX 2598 Compliance   RESPA: Servicing Transfer Notice Missing RESPA: Servicing Transfer Notice Missing   (2021-07-02) This finding is non-material and will be rated a B grade.  Borrower has resided in current property for 13.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; Primary borrower has 25.00 years in field. ; Borrower has 25.00 years self employed.; UW guides maximum DTI of 35.00%, loan qualified with DTI of 24.55%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  740 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30527 XXXX 18794 Credit   HMDA Data Discrepancy - Zip A HMDA Data Tape Discrepancy has been identified for zip. Audit XXXXX vs Data Tape ___. (2021-07-29) Audit zip code is correct (2021-07-29) Lender agrees with audit value.  Condition cleared.  UW Guides require 12.00 months reserves, loan qualified with 114.19 months reserves.; Primary borrower has 22.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 34.91%. ; FICO is higher than guidelines. FICO is:  752 and the guideline  is:720. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30527 XXXX 15279 Credit   Missing HMDA Data Tape The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply (2021-07-28) Data tape uploaded to the ShareDrive (2021-07-28) Lender provided HMDA data tape.  Condition cleared.  UW Guides require 12.00 months reserves, loan qualified with 114.19 months reserves.; Primary borrower has 22.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 34.91%. ; FICO is higher than guidelines. FICO is:  752 and the guideline  is:720. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30527 XXXX -96348 Compliance   Lender Credits That Cannot Decrease Test This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). (2021-07-21) Corrected CD, LOE, copy of check and FedEx label attached
(2021-07-16) COC attached		 (2021-07-21) Lender provided letter of explanation, corrected CD, evidence of refund and proof of delivery.  This finding is non-material and will be rated a B grade.
(2021-07-16) Seller provided a COC dated XX/XX/XXX reflecting Loan Amount changed to $XXXXXXX.XX, decreasing the Lender Credit amount to $XXXX.XX. A re-disclosed LE was provided to Borrowers reflecting a general Lender Credit of $XXXX (rounding).  The initial CD dated XX/XX/XXXX listed a credit in Section J of $XXXX.XX, however, notation was made that the Lender Credit included $XX.XX credit for increase in Closing Costs above legal limit.  This decreased the general Lender Credit to $XXXX.XX requiring a tolerance/variance cure for the decrease in general Lender Credit of $XX.XX. Provide re-disclosed corrected CD, proof of refund, and evidence of delivery to Borrowers. Condition remains.		  UW Guides require 12.00 months reserves, loan qualified with 114.19 months reserves.; Primary borrower has 22.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 34.91%. ; FICO is higher than guidelines. FICO is:  752 and the guideline  is:720. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30527 XXXX 1392 Compliance   RESPA: AfBA Disclosure is Missing or Incomplete RESPA: AfBA Disclosure is Missing (2021-07-14) . (2021-07-14) This finding is deemed non-material and will be graded a B.  UW Guides require 12.00 months reserves, loan qualified with 114.19 months reserves.; Primary borrower has 22.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 34.91%. ; FICO is higher than guidelines. FICO is:  752 and the guideline  is:720. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30527 XXXX -96378 Compliance   TRID Post-Consummation Reason for Redisclosure Validation Test This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests.   (2021-07-21) Finding not applicable; rescinded.  UW Guides require 12.00 months reserves, loan qualified with 114.19 months reserves.; Primary borrower has 22.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 34.91%. ; FICO is higher than guidelines. FICO is:  752 and the guideline  is:720. Rescind 1 1 A A A A A A A A A A Yes  
OBX2021J30526 XXXX 18794 Credit   HMDA Data Discrepancy - Zip A HMDA Data Tape Discrepancy has been identified for zip. Audit XXXXX vs Data Tape ___. (2021-07-20) Audit zip code is correct (2021-07-20) Lender agrees with audit value.  Condition cleared.    CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 75.00.; UW Guides require 9.00 months reserves, loan qualified with 195.07 months reserves.; Borrower has 20.00 years self employed.; UW guides maximum DTI of 40.00%, loan qualified with DTI of 29.04%. ; FICO is higher than guidelines. FICO is:  820 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30526 XXXX 1137 Credit   Missing 4506-T Missing 4506T for borrower(s) on loan.  Total number Borrowers is  2
 Borrower: No
CoBorrower: Final Only
Borrower 3: ___
Borrower 4: ___		 (2021-07-09) Initial 4506C attached (2021-07-09) Initial 4506C was provided.  Condition cleared.  CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 75.00.; UW Guides require 9.00 months reserves, loan qualified with 195.07 months reserves.; Borrower has 20.00 years self employed.; UW guides maximum DTI of 40.00%, loan qualified with DTI of 29.04%. ; FICO is higher than guidelines. FICO is:  820 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30526 XXXX 15279 Credit   Missing HMDA Data Tape The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply (2021-07-19) HMDA Data Tape uploaded to ShareDrive (2021-07-19) HMDA data tape was provided.  Condition cleared.  CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 75.00.; UW Guides require 9.00 months reserves, loan qualified with 195.07 months reserves.; Borrower has 20.00 years self employed.; UW guides maximum DTI of 40.00%, loan qualified with DTI of 29.04%. ; FICO is higher than guidelines. FICO is:  820 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30526 XXXX 1392 Compliance   RESPA: AfBA Disclosure is Missing or Incomplete RESPA: AfBA Disclosure is Missing   (2021-07-06) This finding is non-material and will be rated a B grade.  CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 75.00.; UW Guides require 9.00 months reserves, loan qualified with 195.07 months reserves.; Borrower has 20.00 years self employed.; UW guides maximum DTI of 40.00%, loan qualified with DTI of 29.04%. ; FICO is higher than guidelines. FICO is:  820 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30526 XXXX 2598 Compliance   RESPA: Servicing Transfer Notice Missing RESPA: Servicing Transfer Notice Missing   (2021-07-06) This finding is non-material and will be rated a B grade.  CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 75.00.; UW Guides require 9.00 months reserves, loan qualified with 195.07 months reserves.; Borrower has 20.00 years self employed.; UW guides maximum DTI of 40.00%, loan qualified with DTI of 29.04%. ; FICO is higher than guidelines. FICO is:  820 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30360 XXXX 18813 Credit   HMDA Data Discrepancy - Loan Officer NMLS ID A HMDA Data Tape Discrepancy has been identified for loan officer NMLS ID. Audit XXXXX vs Data Tape XXXXX.   (2021-07-19) Finding not applicable, rescinded.    UW Guides require 6.00 months reserves, loan qualified with 124.07 months reserves.; Primary borrower has 25.00 years in field. ; UW guides maximum DTI of 35.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  804 and the guideline  is:700. Rescind 1 1 A A A A A A A A A A Yes  
OBX2021J30360 XXXX 18794 Credit   HMDA Data Discrepancy - Zip A HMDA Data Tape Discrepancy has been identified for zip. Audit XXXXX vs Data Tape ___. (2021-07-20) Audit zip code is correct (2021-07-20) Lender agrees with audit value.  Condition cleared.  UW Guides require 6.00 months reserves, loan qualified with 124.07 months reserves.; Primary borrower has 25.00 years in field. ; UW guides maximum DTI of 35.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  804 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30360 XXXX 1137 Credit   Missing 4506-T Missing 4506T for borrower(s) on loan.  Total number Borrowers is  2
 Borrower: No
CoBorrower: Yes
Borrower 3: ___
Borrower 4: ___
Guidelines require all applicants sign a 4506-T during the application process and at closing.  Loan file is missing the initial 4506-T.		 (2021-07-09) Initial 4506C attached (2021-07-09) Seller provided Initial 4506C. Condition cleared.  UW Guides require 6.00 months reserves, loan qualified with 124.07 months reserves.; Primary borrower has 25.00 years in field. ; UW guides maximum DTI of 35.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  804 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30360 XXXX 15279 Credit   Missing HMDA Data Tape The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply (2021-07-19) HMDA Data Tape uploaded to ShareDrive (2021-07-19) HMDA Data Tape was provided.  Condition cleared.    UW Guides require 6.00 months reserves, loan qualified with 124.07 months reserves.; Primary borrower has 25.00 years in field. ; UW guides maximum DTI of 35.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  804 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30360 XXXX 1392 Compliance   RESPA: AfBA Disclosure is Missing or Incomplete RESPA: AfBA Disclosure is Missing   (2021-07-06) This finding is non-material and will be rated a B grade.  UW Guides require 6.00 months reserves, loan qualified with 124.07 months reserves.; Primary borrower has 25.00 years in field. ; UW guides maximum DTI of 35.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  804 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30360 XXXX 2598 Compliance   RESPA: Servicing Transfer Notice Missing RESPA: Servicing Transfer Notice Missing   (2021-07-06) This finding is non-material and will be rated a B grade.  UW Guides require 6.00 months reserves, loan qualified with 124.07 months reserves.; Primary borrower has 25.00 years in field. ; UW guides maximum DTI of 35.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  804 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30524 XXXX 18839 Credit   HMDA Data Discrepancy - ULI Validation A HMDA Data Tape Discrepancy has been identified for ULI Validation. Audit XXXX
 vs Data Tape XXXX		   (2021-08-08) Finding not applicable, rescinded.  CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 15.37 months reserves.; UW guides maximum DTI of 700.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  770 and the guideline  is:700. Rescind 1 1 A A A A A A A A A A Yes  
OBX2021J30524 XXXX 18794 Credit   HMDA Data Discrepancy - Zip A HMDA Data Tape Discrepancy has been identified for zip. Audit XXXXX vs Data Tape ___. (2021-08-10) Audit zip code is correct. (2021-08-10) Lender agrees with audit value, condition cleared.    CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 15.37 months reserves.; UW guides maximum DTI of 700.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  770 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30524 XXXX 871 Credit   Incomplete Hazard Insurance Declaration All pages of the hazard insurance were not provided. (2021-08-20) Please find attached PCI for this property (XXXXX XXXXXXXXXXXX). We are good with waiving this request.
(2021-08-10) Policy effective date has to be the funding date or before. This loan funded XX/XX/XXXX. This condition should be waived.		 (2021-08-20) Post-closing inspection provided reflecting subject property is in Good condition with no significant repairs needed.  Okay to waive per client.  This finding will be rated a B grade.
(2021-08-06) Subject property is in a wet funding state.  Hazard policy should have an effective date no later than the Note date.  Condition retained.  		  CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 15.37 months reserves.; UW guides maximum DTI of 700.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  770 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30524 XXXX 932 Credit   Missing AUS results Missing AUS results.   (2021-08-06) AUS was provided.  Condition cleared.    CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 15.37 months reserves.; UW guides maximum DTI of 700.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  770 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30524 XXXX 15279 Credit   Missing HMDA Data Tape The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply (2021-08-09) Data tape uploaded to the ShareDrive (2021-08-09) HMDA data tape was provided, condition cleared.  CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 15.37 months reserves.; UW guides maximum DTI of 700.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  770 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30524 XXXX 1392 Compliance   RESPA: AfBA Disclosure is Missing or Incomplete RESPA: AfBA Disclosure is Missing   (2021-08-05) This finding is non-material and will be rated a B grade.  CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 15.37 months reserves.; UW guides maximum DTI of 700.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  770 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30300 XXXX 16923 Credit    Hazard Insurance Shortfall The hazard insurance policy in file reflected dwelling coverage of $XXXXXXX.XX.  The loan amount is $XXXXXXX.XX which leaves a shortage of hazard insurance coverage for  $XXXXXX.XX.    (2021-06-29) HOI has 100% expanded replacement cost, so their coverage is actually $X,XXX,XXX.XX. (2021-06-29) Further review of the policy in the loan file revealed policy has an additional 100% coverage of $XXX,XXX.XX, total coverage $X,XXX,XXX.XX.  Condition rescinded.  Refinance reduces total housing payment by  $XXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 2235.01 months reserves.; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  798 and the guideline  is:700. Rescind 1 1 A A A A A A A A A A Yes  
OBX2021J30300 XXXX 16575 Credit   HELOC Closure Letter Not Provided The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. (2021-07-12) HELOC Closure Letter (2021-07-12) Seller provided HELOC Closure Letter. Condition cleared.  Refinance reduces total housing payment by  $XXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 2235.01 months reserves.; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  798 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30300 XXXX 18794 Credit   HMDA Data Discrepancy - Zip A HMDA Data Tape Discrepancy has been identified for zip. Audit XXXXX vs Data Tape ___. (2021-07-20) Property Zip Code was included. See attached for file with Zip highlighted.
(2021-07-19) Please elaborate on the suspense. The HMDA Data Tape suspense has been marked cleared, where is the discrepancy?		 (2021-07-20) Updated data tape was provided.  Condition cleared.  
(2021-07-19) Data tape did not include the subject property zip code.  Please provide this information.  Condition retained.  		  Refinance reduces total housing payment by  $XXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 2235.01 months reserves.; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  798 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30300 XXXX 15279 Credit   Missing HMDA Data Tape The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply (2021-07-19) Excel HMDA Data Tape provided through XXXXX. (2021-07-19) HMDA Data Tape was provided.  Condition cleared.    Refinance reduces total housing payment by  $XXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 2235.01 months reserves.; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  798 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30300 XXXX 13095 Credit   Missing Payoff Statement for prior loan Missing payoff statement for prior loan. (2021-07-01) Per the attached credit report, the 2nd HELOC has a $X.XX balance so there is no payoff for it. (2021-07-02) Payoff statement was provided.  Condition cleared.  
(2021-07-01) The credit report shows the HELOC balance on 03/2021, two months prior to the loan closing.  Additionally, the final CD reflects a payoff amount.  Condition retained.
(2021-06-29) Lender provided the payoff statement for the 1st mortgage.  Finding is for the payoff statement for the 2nd mortgage/HELOC.  Condition retained.  		  Refinance reduces total housing payment by  $XXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 2235.01 months reserves.; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  798 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30300 XXXX 2598 Compliance   RESPA: Servicing Transfer Notice Missing RESPA: Servicing Transfer Notice Missing   (2021-06-21) This finding is non-material and will be rated a B grade.  Refinance reduces total housing payment by  $XXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 12.00 months reserves, loan qualified with 2235.01 months reserves.; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  798 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30341 XXXX 16575 Credit   HELOC Closure Letter Not Provided The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided. (2021-07-12) Closure Letter (2021-07-12) Seller provided Closure Letter. Condition cleared.  Borrower has resided in current property for 24.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 40.77 months reserves.; Primary borrower has 49.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  794 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30341 XXXX 18784 Credit   HMDA Data Discrepancy - City A HMDA Data Tape Discrepancy has been identified for city. Audit XXXXXX vs Data Tape XXXXXX. (2021-07-20) HMDA Tape with corrected city attached. (2021-07-20) Updated HMDA data tape reflects City that matches audit value.  Condition cleared.    Borrower has resided in current property for 24.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 40.77 months reserves.; Primary borrower has 49.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  794 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30341 XXXX 18839 Credit   HMDA Data Discrepancy - ULI Validation A HMDA Data Tape Discrepancy has been identified for ULI Validation. Audit ___ vs Data Tape XXXX.   (2021-07-20) Condition cleared.  Borrower has resided in current property for 24.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 40.77 months reserves.; Primary borrower has 49.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  794 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30341 XXXX 1095 Credit   Insufficient Title Coverage Title Coverage is $XXXXXX.XX and the Loan Amount is $XXXXXX.XX (2021-07-12) Final Title Policy (2021-07-12) Seller provided Final Title Policy reflecting sufficient coverage.  Condition cleared.  Borrower has resided in current property for 24.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 40.77 months reserves.; Primary borrower has 49.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  794 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30341 XXXX 932 Credit   Missing AUS results Missing AUS results. (2021-07-12) AUS Findings
(2021-07-12) AUS explanation		 (2021-07-12) Seller provided AUS. Condition cleared.
(2021-07-12) Applicable guidelines require an AUS with a decision of Accept/Ineligible for non-conforming loan amounts or Accept/Eligible for high balance loan amounts and must reflect the final loan parameters. Condition remains.		  Borrower has resided in current property for 24.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 40.77 months reserves.; Primary borrower has 49.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  794 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30341 XXXX 17553 Credit   Missing Balance Sheet for Schedule C (Borrower 1) Borrower 1 is self-employed and the balance sheet is missing or not executed for the Schedule C Business listed in position 0 on the application.   Balance Sheet in file: No (2021-07-13) Balance Sheet Rebuttal (2021-07-13) Condition cleared.  Borrower has resided in current property for 24.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 40.77 months reserves.; Primary borrower has 49.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  794 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30341 XXXX 15279 Credit   Missing HMDA Data Tape The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply   (2021-07-20) HMDA data tape was provided.  Condition cleared.    Borrower has resided in current property for 24.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 40.77 months reserves.; Primary borrower has 49.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  794 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30341 XXXX 1412 Credit   Missing YTD Profit & Loss for Schedule C 1 Business (Borrower 1) Borrower 1 is self-employed and the YTD Profit & Loss is either missing or not executed for the Schedule C business listed in position B1_SchedC1_ID_On_Application on the application.   Profit & Loss in File: No (2021-07-13) borrower signed YTD P&L through XX/XX/XXXX that verifies YTD $XXX loss and is less than past 2 yrs averaged Sched. C losses.
(2021-07-12) Credit Documentation Rebuttal - Per the attached 1003, Borrower 1 is not self-employed. No self-employment verification documents are required.		 (2021-07-13) Seller provided signed YTD P&L.  Condition cleared.
(2021-07-12) Borrower's tax return transcripts reflected Schedule C income/loss and the Lender's Income Worksheet reflected an average of XXXX and XXXX loss was used in income calculations. Require YTD P&L to confirm no additional loss. Condition remains.		  Borrower has resided in current property for 24.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 40.77 months reserves.; Primary borrower has 49.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  794 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30341 XXXX 15997 Credit   Required Documentation is Missing The loan file is missing a Review Appraisal/CDA report
The loan file is missing a Review Appraisal/CDA report 		(2021-07-15) Per Bank of America Credit Matrix, 1 full appraisal is sufficient as the Loan amount is less than $X.Xmm. No CDA/Field review requirement is mentioned.
(2021-07-13) Collateral Analysis
(2021-07-13) Appraisal/Documents		 (2021-07-21) CDA report was provided, appraised value is supported.  Condition cleared.
(2021-07-15) Although the XXXX XX XXXXXXX Matrix does not mention the requirement of CDA, the applicable Guidelines for Appraisal Requirements section "Appraisal Review Requirements" states "All appraisals require a Collateral Desktop Analysis (CDA) or a Field Review when applicable; Refer to the Conduit Property Valuation Decision Waterfall for additional details.  The Conduit Property Valuation Decision Waterfall reflects a CDA is required for 1-unit properties. Condition remains.
(2021-07-13) Seller provided AVM. However, guidelines require a Collateral Desktop Analysis (CDA) or a Field Review. Please provide a CDA. Condition remains.
(2021-07-13) Seller provided copy of appraisal, UCDP Summary Report and Fannie Mae Collateral Underwriter.  However, applicable guidelines require a Collateral Desktop  Analysis (CDA) or a Field Review when applicable. Condition remains.		  Borrower has resided in current property for 24.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 40.77 months reserves.; Primary borrower has 49.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  794 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30341 XXXX 1293 Compliance   Privacy Notice Required - Missing or Incomplete Privacy Notice Missing   (2021-07-09) This finding is non-material and will be rated a B grade.  Borrower has resided in current property for 24.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 40.77 months reserves.; Primary borrower has 49.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  794 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30341 XXXX 18726 Compliance   QM ATR Failure - Current Income: Income documentation does not meet requirements QM ATR Failure - Current Income: Income documentation does not meet requirements   (2021-07-14) Balance Sheet not required. P&L provided. Condition cleared.  Borrower has resided in current property for 24.00 years. ; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 0.00 and the guideline is: 80.00.; UW Guides require 6.00 months reserves, loan qualified with 40.77 months reserves.; Primary borrower has 49.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 0.00%. ; FICO is higher than guidelines. FICO is:  794 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
  XXXX 16575 Credit   HELOC Closure Letter Not Provided The Borrower Authorization to Close Out Home Equity Line of Credit (HELOC) was not provided.   (2021-07-21) HELOC Closure Letter was provided.  Condition cleared.  Borrower has resided in current property for 9.07 years. ; Refinance reduces total housing payment by  $0.00.; UW Guides require 12.00 months reserves, loan qualified with 231.92 months reserves.; Primary borrower has 20.00 years in field. ; UW guides maximum DTI of 40.00%, loan qualified with DTI of 0.00%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  746 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30531 XXXX 19368 Credit   Missing Executed Personal Tax Returns for Borrower Guidelines state: At least 2 years personal returns required.  Status of Personal Tax Return: Not Executed.  Tax Transcripts in file: Yes. Details: Borrower personal tax returns are not signed   (2021-07-21) Signed pages of the tax returns were provided.  Condition cleared.    Borrower has resided in current property for 9.07 years. ; Refinance reduces total housing payment by  $0.00.; UW Guides require 12.00 months reserves, loan qualified with 231.92 months reserves.; Primary borrower has 20.00 years in field. ; UW guides maximum DTI of 40.00%, loan qualified with DTI of 0.00%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  746 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30531 XXXX 19374 Credit   Missing Executed Personal Tax Returns for Coborrower Guidelines state: At least 2 years personal returns required.  Personal Tax Return in File: Not Executed.  Tax Transcripts - income supported: Yes. Details: Coborrower personal tax returns are not signed.   (2021-07-21) Signed pages of the tax returns were provided.  Condition cleared.    Borrower has resided in current property for 9.07 years. ; Refinance reduces total housing payment by  $0.00.; UW Guides require 12.00 months reserves, loan qualified with 231.92 months reserves.; Primary borrower has 20.00 years in field. ; UW guides maximum DTI of 40.00%, loan qualified with DTI of 0.00%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  746 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30531 XXXX 15279 Credit   Missing HMDA Data Tape The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply   (2021-07-21) Lender provided HMDA Data Tape.  Condition cleared.  Borrower has resided in current property for 9.07 years. ; Refinance reduces total housing payment by  $0.00.; UW Guides require 12.00 months reserves, loan qualified with 231.92 months reserves.; Primary borrower has 20.00 years in field. ; UW guides maximum DTI of 40.00%, loan qualified with DTI of 0.00%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  746 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30531 XXXX 19054 Credit   Required Documentation is Missing The loan file is missing:  1) CDA Report (2021-07-21) Please clarify the pend. Do we need a CDA on the lower of the 2 appraisals, or on both appraisals? (2021-07-28) CDA report was provided and supports value.  Condition cleared.
(2021-07-21) Per guidelines:  "When there are multiple valuation products, such as two appraisals, the review is based on the appraisal with the lower value."		  Borrower has resided in current property for 9.07 years. ; Refinance reduces total housing payment by  $0.00.; UW Guides require 12.00 months reserves, loan qualified with 231.92 months reserves.; Primary borrower has 20.00 years in field. ; UW guides maximum DTI of 40.00%, loan qualified with DTI of 0.00%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  746 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30531 XXXX -96366 Compliance   Charges That Cannot Increase Test This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).   (2021-07-23) Lender provided corrected CD, letter of explanation to the borrower, evidence of refund and proof of delivery.  This finding is non-material and will be rated a B grade.
(2021-07-22) Lender provided corrected CD, letter of explanation to the borrower, evidence of refund and proof of delivery.  However, the post close CD reflected an incorrect amount of tolerance cure ($XXX.XX vs. $XXX.XX).  Provide CD with correct tolerance cure amount and proof of delivery to the borrower.  Condition retained.  		  Borrower has resided in current property for 9.07 years. ; Refinance reduces total housing payment by  $0.00.; UW Guides require 12.00 months reserves, loan qualified with 231.92 months reserves.; Primary borrower has 20.00 years in field. ; UW guides maximum DTI of 40.00%, loan qualified with DTI of 0.00%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  746 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30531 XXXX -96368 Compliance   Consummation or Reimbursement Date Validation Test This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.   (2021-07-23) Lender provided corrected CD, letter of explanation to the borrower, evidence of refund and proof of delivery.  This finding is non-material and will be rated a B grade.
(2021-07-22) Lender provided corrected CD, letter of explanation to the borrower, evidence of refund and proof of delivery.  However, the post close CD reflected an incorrect amount of tolerance cure ($XXX.XX vs. $XXX.XX).  Provide CD with correct tolerance cure amount and proof of delivery to the borrower.  Condition retained.  		  Borrower has resided in current property for 9.07 years. ; Refinance reduces total housing payment by  $0.00.; UW Guides require 12.00 months reserves, loan qualified with 231.92 months reserves.; Primary borrower has 20.00 years in field. ; UW guides maximum DTI of 40.00%, loan qualified with DTI of 0.00%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  746 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30531 XXXX -96369 Compliance   Reimbursement Amount Validation Test This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.   (2021-07-23) Lender provided corrected CD, letter of explanation to the borrower, evidence of refund and proof of delivery.  This finding is non-material and will be rated a B grade.
(2021-07-22) Lender provided corrected CD, letter of explanation to the borrower, evidence of refund and proof of delivery.  However, the post close CD reflected an incorrect amount of tolerance cure ($XXX.XX vs. $XXX.XX).  Provide CD with correct tolerance cure amount and proof of delivery to the borrower.  Condition retained.  		  Borrower has resided in current property for 9.07 years. ; Refinance reduces total housing payment by  $0.00.; UW Guides require 12.00 months reserves, loan qualified with 231.92 months reserves.; Primary borrower has 20.00 years in field. ; UW guides maximum DTI of 40.00%, loan qualified with DTI of 0.00%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  746 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30531 XXXX 2598 Compliance   RESPA: Servicing Transfer Notice Missing RESPA: Servicing Transfer Notice Missing   (2021-07-20) This finding is non-material and will be rated a B grade.  Borrower has resided in current property for 9.07 years. ; Refinance reduces total housing payment by  $0.00.; UW Guides require 12.00 months reserves, loan qualified with 231.92 months reserves.; Primary borrower has 20.00 years in field. ; UW guides maximum DTI of 40.00%, loan qualified with DTI of 0.00%. ; Refinance reduces rate from 3.88% to 3.38%.; FICO is higher than guidelines. FICO is:  746 and the guideline  is:700. Acknowledged by Client 2 2 B B B B B B B B B B Yes  
OBX2021J30010 XXXX 16463 Credit   Missing Secondary Valuation A valid secondary valuation supporting the origination appraisal value is not present, CU Score not used for secondary valuation, No CDA in File, AVM not required, Field Review not required   (2021-02-23) CDA value supports OA value. Condition cleared.  UW Guides require 15.00 months reserves, loan qualified with 23.47 months reserves.; Primary borrower has 20.00 years in field. ; FICO is higher than guidelines. FICO is:  784 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30014 XXXX 11292 Credit   HMDA Data Discrepancy - Total Loan Costs A HMDA Data Tape Discrepancy has been identified for Total Loan Costs.  Audit XXXXX.XX  vs Data Tape XXXXX.XX.

   (2021-03-03) Lender provided an updated CD that matches the HMDA tape for total loan costs. Condition cleared.  Borrower has resided in current property for 16.00 years. ; Refinance reduces total housing payment by  $-XXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 51.58 and the guideline is: 80.00.; UW Guides require 15.00 months reserves, loan qualified with 46.71 months reserves.; Primary borrower has 23.90 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 36.28%. ; FICO is higher than guidelines. FICO is:  796 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30014 XXXX 16463 Credit   Missing Secondary Valuation A valid secondary valuation supporting the origination appraisal value is not present, CU Score not used for secondary valuation, No CDA in File, AVM not required, Field Review not required   (2021-02-25) CDA value supports OA value. Condition cleared.  Borrower has resided in current property for 16.00 years. ; Refinance reduces total housing payment by  $-XXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 51.58 and the guideline is: 80.00.; UW Guides require 15.00 months reserves, loan qualified with 46.71 months reserves.; Primary borrower has 23.90 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 36.28%. ; FICO is higher than guidelines. FICO is:  796 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30014 XXXX -99953 Compliance   TILA Right of Rescission Test This loan passed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is not before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.

Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX.  The loan disbursed on XX/XX/XXXX did not giving the Borrower a full 3 days rescission.  TILA 130(b) - within 60 days of discovery. Provide corrected CD, letter of explanation, proof of delivery and re-open rescission, if applicable.		   (2021-03-17) Lender provided evidence of disbursement date from the title company. Test is now passing. Condition cleared.  Borrower has resided in current property for 16.00 years. ; Refinance reduces total housing payment by  $-XXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 51.58 and the guideline is: 80.00.; UW Guides require 15.00 months reserves, loan qualified with 46.71 months reserves.; Primary borrower has 23.90 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 36.28%. ; FICO is higher than guidelines. FICO is:  796 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30014 XXXX 2964 Compliance   TILA: NORTC not Hand Dated TILA: NORTC Acknowledgement of Receipt not Hand Dated by one or more borrowers/vested parties.   (2021-02-24) RTC is acceptable. Condition rescinded.  Borrower has resided in current property for 16.00 years. ; Refinance reduces total housing payment by  $-XXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 51.58 and the guideline is: 80.00.; UW Guides require 15.00 months reserves, loan qualified with 46.71 months reserves.; Primary borrower has 23.90 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 36.28%. ; FICO is higher than guidelines. FICO is:  796 and the guideline  is:700. Rescind 1 1 A A A A A A A A A A Yes  
OBX2021J30034 XXXX 15237 Credit   Missing W-2 Job 1 (CoBorrower) Lender's guidelines require 2 years' W-2. Two years' W-2 not provided for CoBorrower's job listed in position 1 on the application. Number of W-2s in file is 0   (2021-03-03) Lender provided the missing W-2s. Condition cleared.  Borrower has resided in current property for 4.60 years. ; Refinance reduces total housing payment by  $-XXX.XX.; CLTV is considerably lower than the guideline maximum.  Calculated CLTV is: 43.63 and the guideline is: 80.00.; UW Guides require 15.64 months reserves, loan qualified with 187.06 months reserves.; Primary borrower has 25.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 32.64%. ; Refinance reduces rate from 3.38% to 2.50%.; FICO is higher than guidelines. FICO is:  794 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30158 XXXX 11292 Credit   HMDA Data Discrepancy - Total Loan Costs A HMDA Data Tape Discrepancy has been identified for Total Loan Costs.  Audit $XXXX.XX  vs Data Tape $XXXX.XX.   (2021-07-23) Lender agrees with audit value. Condition cleared.  UW Guides require 15.00 months reserves, loan qualified with 19.97 months reserves.; Primary borrower has 9.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 22.13%. ; FICO is higher than guidelines. FICO is:  791 and the guideline  is:700. Cleared 3 1 C A C A C A C A C A Yes  
OBX2021J30158 XXXX 15231 Credit   Missing 3rd Party Verbal Verification of Employment 1 (Borrower) Missing 3rd Party Verbal Verification of Employment for Borrower's job in position 1 on the application.

Guidelines require a VVOE within 10 business days prior to the note date. The VVOE in the file is greater than 10 days prior to note date.      		   (2021-07-08) The lender provided a VVOE dated XX/XX/XXXX, which is within 10 business days of the Note date.  Finding cleared.  UW Guides require 15.00 months reserves, loan qualified with 19.97 months reserves.; Primary borrower has 9.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 22.13%. ; FICO is higher than guidelines. FICO is:  791 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  
OBX2021J30158 XXXX 15997 Credit   Required Documentation is Missing The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply.
The HMDA Data required to complete the HMDA Data Review was not provided. Lender to provide HMDA Data. Additional conditions may apply.		   (2021-07-14) HMDA tape has been uploaded.  Finding cleared.  UW Guides require 15.00 months reserves, loan qualified with 19.97 months reserves.; Primary borrower has 9.00 years in field. ; UW guides maximum DTI of 43.00%, loan qualified with DTI of 22.13%. ; FICO is higher than guidelines. FICO is:  791 and the guideline  is:700. Cleared 3 1 D A D A D A D A D A Yes  

 

Exhibit 99.05

 

Customer Loan ID Initial Loan Grade Final Loan Grade Initial DBRS Loan Grade Final DBRS Loan Grade Initial DBRS Credit Loan Grade Final DBRS Credit Loan Grade Initial DBRS Compliance Loan Grade Final DBRS Compliance Loan Grade Initial DBRS Property Loan Grade Final DBRS Property Loan Grade Initial Moody's Loan Grade Final Moody's Loan Grade Initial Moody's Credit Loan Grade Final Moody's Credit Loan Grade Initial Moody's Compliance Loan Grade Final Moody's Compliance Loan Grade Initial Moody's Property Loan Grade Final Moody's Property Loan Grade Initial Fitch Loan Grade Final Fitch Loan Grade Initial Fitch Credit Loan Grade Final Fitch Credit Loan Grade Initial Fitch Compliance Loan Grade Final Fitch Compliance Loan Grade Initial Fitch Property Loan Grade Final Fitch Property Loan Grade Initial Kroll Loan Grade Final Kroll Loan Grade Initial Kroll Credit Loan Grade Final Kroll Credit Loan Grade Initial Kroll Compliance Loan Grade Final Kroll Compliance Loan Grade Initial Kroll Property Loan Grade Final Kroll Property Loan Grade Initial S&P Loan Grade Final S&P Loan Grade Initial S&P Credit Loan Grade Final S&P Credit Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Initial S&P Property Loan Grade Final S&P Property Loan Grade
OBX2021J30045 3 2 D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A
OBX2021J30016 3 1 C A A A C A A A C A A A C A A A C A A A C A A A C A A A C A A A C A A A C A A A
OBX2021J30055 3 2 D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A
OBX2021J30149 3 2 D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A
OBX2021J30060 1 1 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30070 3 1 D A D A C A A A D A D A C A A A D A D A C A A A D A D A C A A A D A D A C A A A
OBX2021J30132 2 2 B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A B B A A
OBX2021J30104 3 1 D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A
OBX2021J30092 3 2 D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A
OBX2021J30103 1 1 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30101 3 1 D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A
OBX2021J30125 3 2 D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A
OBX2021J30172 1 1 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30185 1 1 A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30186 3 1 D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A
OBX2021J30202 3 2 D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A
OBX2021J30302 3 1 D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A
OBX2021J30373 3 1 D A D A C A A A D A D A C A A A D A D A C A A A D A D A C A A A D A D A C A A A
OBX2021J30173 2 1 B A B A A A A A B A B A A A A A B A B A A A A A B A B A A A A A B A B A A A A A
OBX2021J30507 3 2 D B D A C B A A D B D A C B A A D B D A C B A A D B D A C B A A D B D A C B A A
OBX2021J30421 3 2 D B D A C B A A D B D A C B A A D B D A C B A A D B D A C B A A D B D A C B A A
OBX2021J30525 3 2 D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A
OBX2021J30281 3 2 D B D A D B A A D B D A D B A A D B D A D B A A D B D A D B A A D B D A D B A A
OBX2021J30273 3 2 D B D A C B A A D B D A C B A A D B D A C B A A D B D A C B A A D B D A C B A A
OBX2021J30527 3 2 D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A
OBX2021J30526 3 2 D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A
OBX2021J30360 3 2 D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A
OBX2021J30524 3 2 D B D B B B A A D B D B B B A A D B D B B B A A D B D B B B A A D B D B B B A A
OBX2021J30300 3 2 D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A D B D A B B A A
OBX2021J30341 3 2 D B D A C B A A D B D A C B A A D B D A C B A A D B D A C B A A D B D A C B A A
OBX2021J30531 3 2 D B D A C B A A D B D A C B A A D B D A C B A A D B D A C B A A D B D A C B A A
OBX2021J30010 3 1 D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A
OBX2021J30014 3 1 D A D A C A A A D A D A C A A A D A D A C A A A D A D A C A A A D A D A C A A A
OBX2021J30034 3 1 D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A
OBX2021J30158 3 1 D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A D A D A A A A A

 

 

Exhibit 99.06

 

Loan Information Origination Values AVM Values Desk Review Values BPO Values Field Review Values 2055 Values Other Updated Values  
Customer Loan ID Original Loan Amount Sale Price Appraisal Value Appraisal Date Second Appraisal Value Second Appraisal Date Variance Amount Variance Percent Value Used for LTV Estimated Value Value Date Variance Amount Variance Percent Confidence Score Value Value Date Variance Amount Variance Percent Value Value Date Variance Amount Variance Percent Value Value Date Variance Amount Variance Percent Value Value Date Variance Amount Variance Percent Value Updated Value Date Report Type Variance Amount Variance Percent Collateral Underwriter Risk Score
OBX2021J30045 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.2
OBX2021J30016 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 5.0
OBX2021J30055 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.1
OBX2021J30172 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00% $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%         0.00% 3.0
OBX2021J30149 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 999
OBX2021J30060 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 1.3
OBX2021J30101 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.0
OBX2021J30070 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00% $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%         0.00% 2.3
OBX2021J30132 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.0
OBX2021J30104 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00% $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%         0.00% 3.3
OBX2021J30185 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 1.0
OBX2021J30173 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.3
OBX2021J30103 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00% $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%         0.00% 4.5
OBX2021J30202 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00% $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%         0.00% 4.9
OBX2021J30186 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.2
OBX2021J30092 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.8
OBX2021J30125 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00% $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%         0.00% 4.3
OBX2021J30302 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.3
OBX2021J30373 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00% $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%         0.00% 4.0
OBX2021J30300 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 4.3
OBX2021J30273 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.3
OBX2021J30281 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 3.7
OBX2021J30525 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 4.0
OBX2021J30526 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 4.0
OBX2021J30341 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.1
OBX2021J30360 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 3.1
OBX2021J30421 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 1.0
OBX2021J30507 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.3
OBX2021J30527 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.2
OBX2021J30531 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.1
OBX2021J30524 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 1.0
OBX2021J30010 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00% $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%         0.00% 2.6
OBX2021J30014 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 1.3
OBX2021J30034 $X,XXX.XX   $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%               0.00%         0.00% 2.0
OBX2021J30158 $X,XXX.XX $X,XXX.XX $X,XXX.XX XX/XX/XXXX         $X,XXX.XX       0.00%   $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00% $X,XXX.XX XX/XX/XXXX $X,XXX.XX XXXX       0.00%         0.00% 3.9

 

 

Exhibit 99.07

 

 

 

 

 

 

September 1, 2021
Due Diligence Narrative Report

 

Table of Contents

 

Clayton Contact Information 2
Overview 2
Originators 2
Clayton’s Third Party Review (“TPR”) Scope of Work 3
Sampling 3
Sponsor Acquisition Criteria 3
Loan Grading 3
TPR Component Review Scope 4
Credit Review 4
Property Valuation Review 4
Regulatory Compliance Review 4
Data Integrity 6
Data Capture 6
Data Compare Results 7
Clayton Due Diligence Results 7
Appendix A: Credit Review Scope 11
Appendix B: Origination Appraisal Assessment 14
Appendix C: Regulatory Compliance Review Scope 17

 

OBX 2021-J3 Due Diligence Narrative ReportPage | 1September 1, 2021

Clayton Contact Information

Client Service Management:

*Chris Turk Client Service Manager
    Phone: (813) 472-6509/E-mail: cturk@clayton.com
     
     
*Joe Ozment Director of Securitization
    Phone: (813) 261-0733/E-mail: jozment@clayton.com

 

Overview

On behalf of Bank of America Corporation (“BOAC”), Clayton conducted an independent third-party pre-securitization due diligence review of 212 residential loans. The Due Diligence for BOAC (212 loans) took place between January, 2021 and August, 2021 on a flow basis.

On behalf of loanDepot, Clayton conducted an independent third-party pre-securitization due diligence review of 1 residential loan. The Due Diligence for loanDepot (1 loan) took place in January, 2021 in a flow review.

Onslow Bay acquired the above due diligence (213 loans) through a Reliance Letter purchase and selected these loans for the OBX 2021-J3 transaction.

This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton’s review for all 213 loans.

 

 

 

Originators

 

Origination channels for the loans in this review:

 

Origination Channel Loan Count Percentage
Broker 9 4.23%
Correspondent Flow with delegated underwriting 10 4.69%
Correspondent Flow without delegated underwriting 3 1.41%
Retail 191 89.67%
Total 213 100.00%

OBX 2021-J3 Due Diligence Narrative ReportPage | 2September 1, 2021

Clayton’s Third Party Review (“TPR”) Scope of Work

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency loan level review standards in place as of the date of the review. This is referred to as a “Full Review.”

 

 

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

 

Review Type Loan Counts:

Review Type

Loan Count

Reviewed by Clayton

Scope Applied
Full Review 213 Clayton performed a Full Review based on the scope described below in the section titled “TPR Component Review Scope”.
Total Loan Population 213  

 

 

Sponsor Acquisition Criteria

Flow loans (212) were originated using the Bank of America Guideline set ‘BOAC Guides Effective 10.2018’.

The Bulk acquisition loan (1) was originated using the ‘loanDepot/Jumbo Advantage Guidelines 06/2020’.

 

 

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. Each loan received an “initial” and a “final” grade. The “initial” grade was assigned during the initial loan review. The “final” grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton’s loan grading is solely based on Clayton’s independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

OBX 2021-J3 Due Diligence Narrative ReportPage | 3September 1, 2021

TPR Component Review Scope

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in loan documentation provided to Clayton.

Credit Review

Clayton’s Credit scope of review conducted on this transaction included the following elements (for more detail, please refer to Appendix A and to the guidelines cited above):

■Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor Acquisition Criteria cited above;
■Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against the Sponsor Acquisition Criteria;
■Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor Acquisition Criteria;
■Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;
■Evaluated evidence of borrower’s willingness and ability to repay the obligation;
■Examined any anti-fraud reports already in file for red flags.

 

Property Valuation Review

 

Clayton’s Property Valuation scope of review conducted on this transaction included the following elements:

 

■Original Appraisal Assessment
-Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.
-For more detail on the original appraisal review scope and desk review definitions, please refer to Appendix B and to the guidelines cited above.

 

■Value Supported Analysis

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

 

-On 213 loans, the breakdown is as follows:
a.On 212 loans, a Desk Review was used to evidence supported value.
b.In addition, a Second Desk Review was used to evidence supported value for 3 of the 212 loans.
c.On 1 loan, a Second Full Appraisal was used to evidence supported value.
-If a valuation product fell outside of -10% tolerance for support of value, then an additional product would be completed to support the final conclusion of value.
-Any additional valuation product ordered would only be represented in this summary if it is showing supported value where a prior product fell outside of -10% tolerance for support.

OBX 2021-J3 Due Diligence Narrative ReportPage | 4September 1, 2021

Regulatory Compliance Review

Clayton’s Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to Appendix C and to the guidelines cited above.)

 

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

 

The scope of the compliance review performed is summarized below:

■Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;
■Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;
■Truth-in-lending/regulation Z (TILA) testing included the following:
-Notice of Right to Cancel (Right of Rescission) adherence if applicable;
-TIL Disclosure Timing (3/7/3) and disclosure content;
-TIL APR and Finance charge tolerances;
-Timeliness of ARM Disclosures (if applicable);
-Section 32 APR and Points and Fees Thresholds and prohibited practices;
-Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;
-Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;
-Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower’s ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q.  Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;
oThe ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation depending on the loan’s undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required rate reduction per discount point.

Clayton evaluated the lender’s exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a [0.2%] rate reduction threshold per discount point.

-Prepayment Penalty restrictions.
-TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.
■Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:
-GFE initial disclosure timing and content;
-Confirmed the file contains the final HUD1 Settlement Statement; 
-GFE to HUD1 evaluation for 0% and 10% fee tolerances;
-Homeownership Counseling Notice;
-Affiliated Business Disclosure if applicable.
-OF NOTE: As of October 3, 2015 (“TRID Effective Date”), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel’s interpretations of the published regulations as of the TRID Effective Date. Clayton’s scope was commercially reasonable as it relates to a Third Party Review (“TPR”) firm’s role as TPR conducting an independent third-party pre-securitization due diligence review (“Initial TRID Scope”). The Initial TRID Scope was created with guidance from outside counsel.
-On, June 15th, 2016 SFA published its RMBS 3.0 TRID Compliance Review Scope © documentation, developed under the leadership of members from Third Party Review (“TPR”) firms across the industry and SFA’s RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a

OBX 2021-J3 Due Diligence Narrative ReportPage | 5September 1, 2021

result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act (“TILA) – Real Estate Settlement Procedures Act (“RESPA”) Integrated Disclosure (“TRID”) Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFA RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

-Following the June 15th formal publication of the RMBS 3.0 TRID Compliance Review Scope ©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by Onslow Bay.

 

 

 

 

 

 

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape to file accuracy of each reviewed loan, by completing the following steps:

■Tape data received from lender/client is stored in eCLAS;
■Loan Reviewer collects validated loan data in eCLAS;
■Each received data point is compared to its counterpart collected data point;
■Discrepancies found during comparison are stored

 

 

Data Capture

Clayton collected data fields required to create American Securitization Forum (“ASF”) data tape. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

OBX 2021-J3 Due Diligence Narrative ReportPage | 6September 1, 2021

Data Compare Results

Clayton provided BOAC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

Summary of data compare results:

 

Field Name # Accuracy
%
Borrower 1 First Name 4 98.12%
Borrower 1 Last Name 1 99.53%
Borrower 1 Self Employed Flag 1 99.53%
Disbursement Date 64 69.95%
First Payment Date 57 73.24%
Months Reserves 1 99.53%
Original Appraised Value 52 75.59%
Original LTV 19 91.08%
Property City 4 98.12%
Property Street Address 11 94.84%
Property Zip 2 99.06%

 

 

 

 

 

 

 

Clayton Due Diligence Results

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

 

Initial and Final Overall Loan Grade Results* (213 loans)

 

  Overall Grade Migration
  Initial
Final   A B C D Total
A 36 1 25 90 152
B   9 15 37 61
C         0
D         0
Total 36 10 40 127 213

 

OBX 2021-J3 Due Diligence Narrative ReportPage | 7September 1, 2021

*The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

 

Initial and Final Credit Component Grade Results

 

  Credit Grade Migration
  Initial
Final   A B C D Total
A 65   33 103 201
B 1   5 6 12
C         0
D         0
Total 66 0 38 109 213

 

 

 

 

 

Initial and Final Property Valuation Grade Results

 

  Property Valuation Grade Migration
  Initial
Final   A B C D Total
A 178   1 33 212
B   1     1
C         0
D         0
Total 178 1 1 33 213

 

 

 

 

Initial and Final Regulatory Compliance Grade Results

 

  Compliance Grade Migration
  Initial
Final   A B C D Total
A 110 1 9 44 164
B   20 16 13 49
C         0
D         0
Total 110 21 25 57 213

OBX 2021-J3 Due Diligence Narrative ReportPage | 8September 1, 2021

Clayton Third Party Reports Delivered

Clayton furnished the following reports on this transaction:

1.Narrative Report
2.Conditions Report
3.Loan Level Tape Compare Upload
4.Waived Conditions Summary Reports
5.Valuations Summary Reports
6.Attestation Forms
7.ASF Upload
8.Rating Agency ATR/QM Data Fields
9.BOAC SEC Additional Data

OBX 2021-J3 Due Diligence Narrative ReportPage | 9September 1, 2021

Appendix A: Credit Review Scope

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

A.Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements including:
oDTI
oLTV/TLTV/HLTV
oCredit score
oIncome and employment
oAssets and reserves
oProperty type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence
oBorrower eligibility, including:
 -Citizenship status
 -Non- occupant co-borrower

oTransaction eligibility, including:
 -Maximum loan amount
 -Loan purpose
 -Occupancy
oNoted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included required, documented compensating factors

 

B.As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:
oUniform Residential Loan Application reviewed to determine:
-Initial loan application was in the loan file and was signed by all borrowers
-Final loan application was in the loan file and was complete
-Information and debts disclosed on loan application aligned with related documentation in the loan file
oEmployment analyzed and verified through use of various documents, including:
-Income documentation
-Verbal and/or written verifications of employments (VVOE, VOE)
-CPA letter
-Business licenses
-Tax transcripts (IRS Form 4506-T)
-Other documentation in loan file
oIncome review included:
-Required income documentation for all borrowers was present and within required time period
-Documents did not appear to have been altered or inconsistent
-IRS Form 4506-T
■Signed by all borrowers and processed by the originator
■Compared IRS tax transcripts to income documentation and noted any inconsistencies
-Income was recalculated and was documented with applicable documentation, including:
■Tax returns
■Financial statements
■Paystubs

OBX 2021-J3 Due Diligence Narrative ReportPage | 10September 1, 2021

■W-2s
■1099
■IRS documents
■Bank statements
■Lease agreements
■Award letters
■Other documentation in loan file
oAsset review included:
-Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:
■Verification of deposits (VOD)
■Depository account statements
■Stock or security account statements
■Gift funds
■Settlements statements
■Other evidence of conveyance and transfer of funds, if a sale of assets was involved
■Other documentation in loan file
-Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds
oCredit Report review included:
-Complete copy of report was in loan file
-Report was dated within required timeframe
-All borrowers were included in the report
-Checked any fraud alerts against related loan file documentation
-Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation
-Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation
-Captured and utilized appropriate credit score for guideline review
oTitle policy review included:
-Title interest – determined if
■Fee simple
■Leasehold estate
-Appropriate vestee(s) were listed on title policy
-Amount of coverage was greater than or equal to the original principal amount of the mortgage
-Applicable title endorsements were present
-Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction
-Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)
-Captured monthly tax payments in debt ratio calculation
oHUD1 (Settlement Statement) review included:
-Funds to close identified and analyzed against borrower’s assets
-Seller contributions did not exceed maximum allowed
-Subject property, seller and borrower aligned with other loan documentation
-Disbursements and pay-offs included in debt ratio calculations
-Loan purpose confirmed
oHazard/Flood insurance review included:

OBX 2021-J3 Due Diligence Narrative ReportPage | 11September 1, 2021

-Verified presence of required hazard insurance and flood insurance (if required)
-Confirmed that any required insurance was for the:
■Correct borrower
■Correct property
■Correct lender
■Correct loan number
■Life of loan, if flood insurance required
-Confirmed that any required insurance minimum coverage amount and policy period
-Reviewed for evidence that any required insurance policy premium was paid
-Confirmed that the mortgagee clause listed the lender’s name and “it’s successors and assigns”
-Confirmed that the payment amount on any required insurance was included in the debt ratio calculation
oMortgage Insurance review included:
-Determined if mortgage insurance is required
-Captured mortgage insurance name, certificate # and percentage guarantee (when required)

 

C.For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped “true and certified copy” by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

 

D.For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan file to identify and address any potential misrepresentations including:
oBorrower identity
-Social Security inconsistencies
-Borrower name variations
oOccupancy
-Borrower address history
-Subject property ownership history
oEmployment
oLicensing – reviewed NMLS data for:
-Mortgage lender/originator
-Loan officer
oOFAC

OBX 2021-J3 Due Diligence Narrative ReportPage | 12September 1, 2021

Appendix B: Origination Appraisal Assessment

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A.Verified that the mortgage loan file contained an appraisal report and that it met the following criteria:
oAppraisal report used standard GSE forms, appropriate to the property type:
-FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)
-FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)
-FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD
-FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units
-FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review
-FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

 

oAppraisal report was reasonably complete and included:
-Appraisal report form, certification, statement of limiting conditions and scope of work
-Accurate identification of the subject property
-Accurate identification of the subject loan transaction
-Accurate identification of the property type, in both land and improvements
-All required attachments including:
■Subject front, rear and street photos and valued features
■Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance
■Photos of all comparable sales and listings
■Location map
■Exterior sketch of property with dimensions
■1004MC Market Conditions Report
-Evidence that appraisal report was made “As Is” or provided satisfactory evidence of completion for all material conditions
-Appraisal date met supplied Sponsor Acquisition Criteria
-If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria
B.Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA and USPAP based on the following criteria:
  
oTitle XI of FIRREA:
-If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property
-Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser’s license included in the appraisal.

OBX 2021-J3 Due Diligence Narrative ReportPage | 13September 1, 2021

-Reviewed for the presence of any “red flags” related to the mortgaged property that may have posed a risk to the property or occupants
oUSPAP
-Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.
C.Reviewed and graded the appraisal valuation to the following criteria:
oAppraised value was reasonably supported. Utilized the following review in making value supported determination:
-Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained
-Comps used were reasonably recent in transaction date and if not the reason was furnished
-Comps used were reasonably similar to the subject property and if not an explanation was supplied
-Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished
-Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.
oProperty was complete. However, if the property was not 100% complete, then any unfinished portion had no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property
oAppraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:
-Appraisal was made on an “As Is” basis or provides satisfactory evidence of completion of all material conditions
-Property usage was reviewed for zoning compliance
-Property utilization was reviewed to determine it was “highest and best use”
-Neighborhood values were reviewed to determine if declining
-Market conditions were reviewed to determine indication of possible marketability issues:
■Location
■% built up
■Growth rate
■Demand/supply
■Marketing time
■Predominant occupancy
-Physical condition of the property was reviewed to determine that the property condition was average or better
-Style of property was reviewed to determine if unique property
-Any health and safety issues were noted and/or remediated
-Locational and/or environmental concerns adequately addressed if present

 

D.Property Eligibility Criteria – Clayton reviewed the property to determine that the property met the client supplied eligibility requirements. Examples of ineligible property types may include:
o3 to 4 unit owner occupied properties
o2 to 4 unit second homes
oUnwarrantable or limited review condominiums
oManufactured or mobile homes
oCondotel units
oUnique properties
oWorking farms, ranches or orchards
oMixed-use properties
oProperties subject to existing oil or gas leases
oProperties located in Hawaii Lava Zones 1 and 2

OBX 2021-J3 Due Diligence Narrative ReportPage | 14September 1, 2021

oProperties exceeding Sponsor Acquisition Criteria requirements for excess acreage

 

E.Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.
oIf the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage has been indicated, and the amount of said damage.

 

F.Disclaimer
oThe individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice (“USPAP”) or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute “appraisal reviews” for purposes of USPAP or Federal or State law.
oClayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed valuation information for reasonableness
oClayton is not an ‘AMC’ (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property
oClayton is not a ‘creditor’ within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will not have any communication with or responsibility to any individual consumer concerning property valuation.
oClayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

 

G.Desk Review definitions
oClear Capital “CDA” means a written retrospective analysis of an appraisal of residential real property relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer. The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date of the appraisal provided.  The CDA will also provide an analysis of the appraisal provided, including supporting narrative and data to fully support the CDA value and outline deficiencies within the appraisal. The CDA will also contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear Capital by Customer. 
oProTeck’s Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file completed by a licensed appraiser. The ARR validates subject and comparable data and characteristics, confirms the original appraiser’s methodologies, credentials, and commentary to insure compliance with regulatory requirements and industry accepted best practices, and flags all risk factors while also providing a final value reconciliation used to grade the loan.

OBX 2021-J3 Due Diligence Narrative ReportPage | 15September 1, 2021

Appendix C: Regulatory Compliance Review Scope

 

This appendix provides an overview of Clayton’s proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton’s state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton’s proprietary due diligence platform, eCLAS.

 

Federal Law

 

A.RESPA and Regulation X: Loan level analysis on the following:
oGFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory on January 1, 2010
oInitial Good Faith Estimate, (GFE): timing and content of the initial disclosure
oFinal GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation within the loan file
oFinal HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note
oFinal GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop for.
oAffiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the disclosure was provided to the borrower
oHomeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application
B.Truth in Lending Act and Regulation Z - Loan level analysis on the following:
oTIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.
oMortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)
oARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file
oRight of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)
oHigh Cost mortgage thresholds for points and fees (Section 32)
oHigh Cost Prohibited Acts and Practices upon request (Section 33)
oHigher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)
oProhibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)
oATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

OBX 2021-J3 Due Diligence Narrative ReportPage | 16September 1, 2021

oTILA/RESPA Integrated Disclosure Rule: “The Initial TRID Scope” and “RMBS 3.0 TRID Compliance Review Scope ©”
■Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate (“LE”) and Closing Disclosure (“CD”)
■Pre-application Requirement Testing:
·Pre-application forms cannot look similar to the LE
·Pre-application forms must contain the required disclaimer (“Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan”).
■Timing Requirements:
·The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.
·The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.
·That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.
■Fee Tolerances:
·Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.
·If a credit or refund is made, that it is sufficient to cover Clayton’s calculated under-disclosure.
■Payment Schedule Accuracy:
·The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton’s calculated payment schedule.
·Interest-only periods and final balloon payments are accurately completed.
·The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.
·When applicable, that the AIR and AP tables are consistent with Clayton’s calculations.
■Accuracy of the Loan Calculations
·Amount Financed
·Finance Charge
·Total of Payments
·Total interest percentage
■Technical Requirements
·Compliance with the TRID rounding rules.
·Compliance with specified formatting requirements.
·Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).
·Alphabetization of fees.
·Title fees preceded by “Title –.”
·Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.
■Consistency within and across forms
·Once a fee is disclosed it must remain substantially the same name across disclosures.
·Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

OBX 2021-J3 Due Diligence Narrative ReportPage | 17September 1, 2021

·Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.
·Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.
■Completion of the LE and CD
·All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.
·For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.
·That there is either a signature or a Loan Acceptance statement on the form.
■Waivers
·Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.
■Corrected CD requiring a new waiting period
·Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.
·Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.
·Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.
■Post-Close CD’s
·Corrected CD’s provided with a post-close refund.
·Post-close CD’s to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.
·Post-close CD’s to correct non-numerical clerical errors required within 60 days of consummation.
■Related Documentation
·Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)
·Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)
·Affiliated Business Disclosure (can impact fee tolerances)
■Outside of Clayton’s default TRID scope:
·Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.
·Whether the Liability after Foreclosure selection is correct for the property state.
·Accuracy of the Aggregate Adjustment amount.
·Presence and accuracy of the Seller’s Transaction columns of the Summaries of Transactions section.
·Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.
C.FACTA - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

 

D.HMDA – Whether the loans is Rate Spread threshold reportable.

OBX 2021-J3 Due Diligence Narrative ReportPage | 18September 1, 2021

STATE, COUNTY and MUNICIPAL LAW

 

A.Higher-Priced

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

 

Higher-Priced
California Maryland New York
Connecticut Massachusetts (subprime ARMS to first time homebuyers) North Carolina
Maine Minnesota  

 

B.State/Local High Cost

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

 

 

State/Local High Cost
Arkansas Maine Pennsylvania
California Maryland Rhode Island, including the Providence ordinance
Colorado Massachusetts South Carolina
Connecticut Nevada Tennessee
District of Columbia New Jersey Texas
Florida New Mexico Utah
Georgia New York

Vermont

(High Rate, High Point law)

Illinois, including the Cook County and Chicago ordinances North Carolina Wisconsin
Indiana

Ohio, including

Cleveland Heights ordinance

  
Kentucky Oklahoma  

 

C.Anti-Predatory

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

·Minnesota (Mortgage Originator and Service Licensing Act)

OBX 2021-J3 Due Diligence Narrative ReportPage | 19September 1, 2021

·Puerto Rico (Office Regulation 5722)
·Texas (Texas Finance Code)
·West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

 

D.Borrower’s Interest

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower’s interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

 

Borrower’s Interest
Maine Ohio South Carolina
Massachusetts Rhode Island  

 

 

 

E.Consumer Protection

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

 

Consumer Protection
Alabama (the “Mini-code”) Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act)
Hawaii (Financial Services Loan Company Act) Nevada (AB 440
Idaho (Residential Mortgage Practices Act) Ohio (Consumer Sales Practices Act; whether the loan is in Summit County)
Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) Texas (Article XVI, Section 50(a)(6) of the Texas Constitution)
Iowa (Consumer Credit Code) Utah (Consumer Credit Code)
Kansas (Consumer Credit Code) Virginia (Mortgage Lender and Broker Act)
Kentucky (HB 552) Washington (Consumer Loan Act and Responsible Mortgage Lending Act)
Maryland (DLLR Regulations, Commercial Law) West Virginia (Consumer Credit Protection Act)
Massachusetts (Attorney General regulations) Wyoming (Residential Mortgage Practices Act)
Michigan (Consumer Mortgage Protection Act)  

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

OBX 2021-J3 Due Diligence Narrative ReportPage | 20September 1, 2021

F.Texas Equity

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

 

GSE Testing

Clayton can review loans to determine whether they comply with Fannie Mae’s and Freddie Mac’s Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

 

Disclaimer

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton’s review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton’s review is not designed to fully test a lender’s compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.

 

 

 

 

 

 

 

 

 

 

© 2021 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC.

 

OBX 2021-J3 Due Diligence Narrative ReportPage | 21September 1, 2021

Exhibit 99.08

 

Client Name: Bank of America Corporation
Client Project Name: OBX 2021-J3
Start - End Dates: 1/2021 - 8/2021
   
Conditions Report 2.0
   
Loans with Conditions: 202

 

0 - Total Active Conditions
             
             
             
568 - Total Satisfied Conditions
             
      360 - Credit Review Scope
        25 - Category: Ability to Repay/Qualified Mortgage
        14 - Category: Application
        21 - Category: Assets
        4 - Category: Credit/Mtg History
        18 - Category: DTI
        2 - Category: General Credit
        91 - Category: HMDA
        49 - Category: Income/Employment
        12 - Category: Insurance
        59 - Category: Legal Documents
        58 - Category: Terms/Guidelines
        7 - Category: Title
      40 - Property Valuations Review Scope
        37 - Category: Appraisal
        1 - Category: FEMA
        2 - Category: Property
      168 - Compliance Review Scope
        55 - Category: Ability to Repay/Qualified Mortgage
        8 - Category: Borrower's Interest
        7 - Category: Compliance Manual
        5 - Category: Documentation
        2 - Category: Federal Consumer Protection
        2 - Category: Finance Charge Tolerance
        2 - Category: RESPA
        17 - Category: Right of Rescission 
        1 - Category: State Consumer Protection
        69 - Category: TILA/RESPA Integrated Disclosure
50 - Total Waived Conditions
             
      3 - Credit Review Scope
        1 - Category: Assets
        2 - Category: Terms/Guidelines
      1 - Property Valuations Review Scope
        1 - Category: FEMA
      46 - Compliance Review Scope
        2 - Category: Borrower's Interest
        11 - Category: Federal Consumer Protection
        27 - Category: RESPA
        6 - Category: Right of Rescission 

 

©2021 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

 

Exhibit 99.09

Client Name: Bank of America Corporation
Client Project Name: OBX 2021-J3
Start - End Dates: 1/2021 - 8/2021
   
Conditions Report 2.0
   
Loans with Conditions: 202

 

Loan Number Alt Loan Number Original Principal Balance State Initial Lender ATR/QM Status Loan Level ATR/QM Status Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade Final S&P Credit Loan Grade Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Condition Category Condition Sub Category Condition Status Initial Securitization Condition Grade Final Securitization Condition Grade Initial S&P Condition Grade Final S&P Condition Grade Condition Code Condition Description Condition Material Indicator Initial Comments Client/Seller Response Comments Conclusion Comments TRID Error Type Cure Method Compensating Factors
XXXXXX OBX2021J30128 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing VVOE dated within applicable time frame (10 business days prior to note date) for w-2 earnings received from XXX 5/19/21: Lender provided the VVOE for B1 XXX prior to delivery. 5/19/21: Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per Credit Reports, no major mortgage related occurrences during the past two years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI: 43.48 / DTI: 75
XXXXXX OBX2021J30128 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Exception firing due to no LE's provided in file. 5.19.21 - Client provided missing LE 5.19.21 - Exception satisfied (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per Credit Reports, no major mortgage related occurrences during the past two years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI: 43.48 / DTI: 75
XXXXXX OBX2021J30128 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No Exception firing due to no LE's provided in file. 5.19.21 - Client provided missing LE 5.19.21 - Exception satisfied (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per Credit Reports, no major mortgage related occurrences during the past two years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI: 43.48 / DTI: 75
XXXXXX OBX2021J30128 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3494 TRID - Loan Estimate Missing No All Loan estimates missing from file. 5.19.21 - Client provided missing LE 5.19.21 - Exception satisfied (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per Credit Reports, no major mortgage related occurrences during the past two years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI: 43.48 / DTI: 75
XXXXXX OBX2021J30128 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lender QM Safe Harbor status determination. 5/19/21: Lender provided the Safe Harbor status determination. 5/19/21: Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per Credit Reports, no major mortgage related occurrences during the past two years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI: 43.48 / DTI: 75
XXXXXX OBX2021J30128 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Credit Application Satisfied D A D A CRDAPP130 Application is incomplete No Missing initial and final Uniform Residential Loan Application for both the borrower and co-borrower. 5/26/21: Lender provided the initial and final Uniform Residential Loan Application for both the borrower and co-borrower. 5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per Credit Reports, no major mortgage related occurrences during the past two years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI: 43.48 / DTI: 75
XXXXXX OBX2021J30128 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Credit HMDA Satisfied C B C B CRDHMDA5198 ULI is not valid per CFPB Check Digit Tool No Missing the ULI to validate. 5/19/21: Lender provided the ULI. 5/19/21: Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per Credit Reports, no major mortgage related occurrences during the past two years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI: 43.48 / DTI: 75
XXXXXX OBX2021J30128 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B D B A A D A D B D B A A D A Credit Income/Employment Satisfied C A C A CRDINC2488 Verbal verification of employment missing No Missing VVOE dated within applicable time frame (10 business days prior to note date) for w-2 earnings received from XXX. 5/19/21: Lender provided the VVOE for B1 XXX prior to delivery. 5/19/21: Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per Credit Reports, no major mortgage related occurrences during the past two years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI: 43.48 / DTI: 75
XXXXXX OBX2021J30286 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No The loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. 6/21/21: Lender provided the Mavent.  Still missing Lenders QM Safe Harbor status determination.06.18.21 Lender provided LOE that states there is no income or loss for this business in 2021.  6/21/21: Exception remains.06.23.21 Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755 credit score exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.57% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  60% LTV is below guideline maximum of 70%.
XXXXXX OBX2021J30286 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Seller CD not in file 6.21.2021 - Client provided Seller CD 6.21.2021 - Exception satisfied Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755 credit score exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.57% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  60% LTV is below guideline maximum of 70%.
XXXXXX OBX2021J30286 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Credit HMDA Satisfied C B C B CRDHMDA5198 ULI is not valid per CFPB Check Digit Tool No ULI Number not found in loan file. 6/21/21: Lender provided the valid ULI. 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755 credit score exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.57% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  60% LTV is below guideline maximum of 70%.
XXXXXX OBX2021J30286 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Credit Income/Employment Satisfied D A D A CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No Missing Profit and Loss statement for one or more XXX borrowers. 06.18.21 Lender provided LOE that states there is no income or loss for this business in 2021.  06.23.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755 credit score exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.57% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  60% LTV is below guideline maximum of 70%.
XXXXXX OBX2021J30286 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Credit Income/Employment Satisfied D A D A CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Balance Sheet missing for one or more XXX borrowers. 06.18.21 Lender provided LOE that states there is no income or loss for this business in 2021.  06.23.21 Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  755 credit score exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.57% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  60% LTV is below guideline maximum of 70%.
XXXXXX OBX2021J30290 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) C B C B A A A A C B C B A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX does not match audit field Appraised Value $XXX. 6/16/21: Updated tape provided 6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  36.68% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  72.73% LTV is below guideline maximum of 80%.
XXXXXX OBX2021J30290 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) C B C B A A A A C B C B A A A A Credit HMDA Satisfied C B C B CRDHMDA5198 ULI is not valid per CFPB Check Digit Tool No ULI Number not found in loan file. 6/16/21: Lender provided the valid ULI. 6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  801 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  36.68% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  72.73% LTV is below guideline maximum of 80%.
XXXXXX OBX2021J30328 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed and dated by borrowers. 7/1/21: Lender provided the signed authorization form to close the HELOC with XXX.  7/1/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 16.61% with a max DTI of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 47.345% with a max CLTV of 75%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have significant time at current residence with 15.3 years.
XXXXXX OBX2021J30328 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lenders QM Safe Harbor status designation. 7/1/21: Lender provided the Mavent report.  Still missing the Lenders QM Safe Harbor status designation.7/2/21: Lender provided UW Cover letter  with Safe Harbor type = 'no'7/7/21: Lender provided the QM Safe Harbor status designation. 7/1/21: Exception remains.7/2/21: Exception remains.7/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 16.61% with a max DTI of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 47.345% with a max CLTV of 75%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have significant time at current residence with 15.3 years.
XXXXXX OBX2021J30328 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field of $XXX 7/2/21: Lender corrected tape provided.  7/2/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 16.61% with a max DTI of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 47.345% with a max CLTV of 75%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have significant time at current residence with 15.3 years.
XXXXXX OBX2021J30328 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Credit HMDA Satisfied C B C B CRDHMDA5198 ULI is not valid per CFPB Check Digit Tool No Missing ULI to validate Check Digit. 6/30/21: Lender provided the valid ULI. 6/30/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 16.61% with a max DTI of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 47.345% with a max CLTV of 75%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have significant time at current residence with 15.3 years.
XXXXXX OBX2021J30328 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Credit HMDA Satisfied N/A A N/A A CRDHMDA5200 Loan Purpose tape field does not match audit field Loan Purpose No Loan Purpose tape field does not match audit field Loan Purpose  7/2/21: Lender corrected tape provided.  7/2/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 16.61% with a max DTI of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 47.345% with a max CLTV of 75%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have significant time at current residence with 15.3 years.
XXXXXX OBX2021J30328 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed and dated by borrowers. 7/1/21: Lender provided the signed authorization form to close the HELOC with XXX.  7/1/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 16.61% with a max DTI of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 47.345% with a max CLTV of 75%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have significant time at current residence with 15.3 years.
XXXXXX OBX2021J30338 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) C B C B A A C A C B C B A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3552 TRID - Loan Estimate not timely No Application date 05.06.2021 and Initial LE provided issued XXX. Per Disclosure Tracking Summary missing LE issued XXX. 7.14.2021 - Client provided Initial LE XXX. 7.14.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 765 with a minimum credit score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 24.029% with a max LTV of 75%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 10.3 years.
XXXXXX OBX2021J30338 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) C B C B A A C A C B C B A A C A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lenders QM Safe Harbor status designation.  Document in file states Safe Harbor "No". 7/14/21: Lender provided the 1008 stating lenders QM Safe Harbor status designation. 7/14/221: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 765 with a minimum credit score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 24.029% with a max LTV of 75%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 10.3 years.
XXXXXX OBX2021J30338 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) C B C B A A C A C B C B A A C A Credit HMDA Satisfied C B C B CRDHMDA5198 ULI is not valid per CFPB Check Digit Tool No ULI is not valid and missing from file.  7/14/21: Lender provided the valid ULI. 7/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 765 with a minimum credit score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 24.029% with a max LTV of 75%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 10.3 years.
XXXXXX OBX2021J30338 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) C B C B A A C A C B C B A A C A Credit Income/Employment Satisfied C A C A CRDINC2488 Verbal verification of employment missing No Verbal Verification of employment is missing from 3rd Party. 8/10/21: Lender provided the VVOE 6/23/21 from third party. 8/10/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 765 with a minimum credit score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 24.029% with a max LTV of 75%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 10.3 years.
XXXXXX OBX2021J30019 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission  Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR expiration date is XXX.  Final CD XXX shows a disbursement date of XXX.  Disbursement date is before end of statutory rescission period. LOX,  CD, proof of delivery, and New NORTCs to all entitled to rescind to  re-open rescission (2 for each recipient).  2.9.21 - Client provided PCCD with DD of XXX, ALTA in file is estimated and it shows  XXX. Missing Final ALTA confirming Disbursement date of XXX. 2.16.21- Client provided Final ALT confirming DD o XXX 2.9.21 - Exception remains2.16.21 - Exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job 10 years
XXXXXX OBX2021J30019 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Credit HMDA Satisfied A A A A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Tape discrepancy. Appraised value $XXX 2/10/21: Lender provided the tape data value $XXX. 2/10/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job 10 years
XXXXXX OBX2021J30115 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit Assets Satisfied C A C A CRDAST205 Insufficient Funds to Close No Required cash to close $2,406.29.  Assets in file total balance of $XXX.  5/26/21: Lender provided additional asset documentation from XXX account with cash portion of funds, sufficient liquid assets verified. 5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  74 months 0 x 30 mortgage history verified, 24 months required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence 13 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 25 years
XXXXXX OBX2021J30115 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit Assets Satisfied C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Required reserves 6 months PITI or 6 x 4615.15= $27,690.90 + Cash to close required $2,406.29, total required $30,097.19. Borrower provided assets with balance of XXX. Therefore short cash to close and reserves in the amount of $29,086.59 ($30,097.19 - $1,010.60= $29,086.59) 5/26/21: Lender provided additional asset documentation from XXX with verified reserves of $267,678.35. 5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  74 months 0 x 30 mortgage history verified, 24 months required.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence 13 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 25 years
XXXXXX OBX2021J30043 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account signed by borrowers. 6/7/21: Lender provided the payoff statements for XXX, credit report from 4/8/21 and XXX statement.  Still missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account signed by borrowers.6/9/21: Lender provided the XXX Deed of Trust, Release of Lien, copy of payoff check to XXX and payoff statement confirming closure of account and initialed by borrower.  6/7/21: Exception remains.6/9/21: Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.8% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  36.13% LTV is below guideline maximum of 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  48.39 months reserves exceed guideline minimum of 9 months.
XXXXXX OBX2021J30043 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account signed by borrowers. 6/7/21: Lender provided the payoff statements for XXX, credit report from 4/8/21 and XXX statement.  Still missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account signed by borrowers. 6/9/21: Lender provided the XXX Deed of Trust, Release of Lien, copy of payoff check to XXX and payoff statement confirming closure of account and initialed by borrower. 6/7/21: Exception remains. 6/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.8% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  36.13% LTV is below guideline maximum of 80%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  48.39 months reserves exceed guideline minimum of 9 months.
XXXXXX OBX2021J30011 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Per appraisal report, subject value is $XXX 2/9/21: Lender provided the tape data value $XXX 2/9/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in profession for 20 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is 36.34%, which is below guideline requirement.
XXXXXX OBX2021J30159 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Borrower's K-1'S Missing from 2018,2019 and/or 2020 to validate stated monthly income from partnerships. 6/9/21: Lender provided the 2019 & 2018 K1's to confirm monthly income from numerous partnerships. 6/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed at current position for 16 Y and 6 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 766 exceeds guideline requirement of 700 by 66 Points.
XXXXXX OBX2021J30159 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property appraised value of $XXX current per appraisal dated XXX 6/9/21: Lender provided the HMDA data confirming property value. 6/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed at current position for 16 Y and 6 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 766 exceeds guideline requirement of 700 by 66 Points.
XXXXXX OBX2021J30159 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Borrower's K-1'S Missing from 2018,2019 and/or 2020 to validate stated monthly income from partnerships. 6/9/21: Lender provided the 2019 & 2018 K1's to confirm monthly income from numerous partnerships. 6/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed at current position for 16 Y and 6 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 766 exceeds guideline requirement of 700 by 66 Points.
XXXXXX OBX2021J30159 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS 6/9/21: Lender provided the AUS findings report. 6/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed at current position for 16 Y and 6 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 766 exceeds guideline requirement of 700 by 66 Points.
XXXXXX OBX2021J30159 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing CDA to support original appraisal value. 6/9/21: Lender provided the CDA that supports the appraised value. 6/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has been employed at current position for 16 Y and 6 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 766 exceeds guideline requirement of 700 by 66 Points.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account signed by borrowers. 8/4/21: Lender provided the borrower signed authorization to close the HELOC with XXX.  8/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance Borrower's Interest Satisfied B A B A CMPBI1623 MA Borrower Interest; Worksheet missing No Missing MA Borrower Interest Worksheet.  7.7.2021 - Client provided MA Borrower Interest Worksheet. 7.7.2021 - Exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance Borrower's Interest Satisfied N/A A N/A A CMPBI1616 MA Borrower Interest; Worksheet not properly dated No MA Borrower Interest; Worksheet not properly dated  7.7.2021 - Client provided MA Borrower Interest Worksheet dated  7.7.2021 - Exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance RESPA Waived B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No Missing List of at least 10 counselors 6.29.2021 - Client agreed to waive non-material compliance exceptions.  6.29.2021 - Exception waived (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliates used in transaction, Missing Affiliate Business Disclosure 6.29.2021 - Client agreed to waive non-material compliance exceptions.  6.29.2021 - Exception waived (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance Right of Rescission  Satisfied B B B B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR - Expiration date on form prior to end of rescission period  7/1/21: Client agreed to waive non-material compliance exceptions.7.7.2021 - Client provided PCCD with DD XXX. which allowed for the full rescission period and ALTA confirmed. 7/1/21: Exception waived.7.7.2021 - Exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance Right of Rescission  Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR - Disbursement date is before end of statutory rescission period  7.7.2021 - Client provided PCCD with DD of XXX which is confirmed with Final ALTA 7.7.2021 - Exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3552 TRID - Loan Estimate not timely No Application date 03/31/2021 and LE provided is dated XXX. Missing initial LE dated XXX per Disclosure Tracking Summary. 7.7.2021 - Client provided Initial LE dated XXX. 7.7.2021 - Exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing Initial CD issued XXX per Disclosure Tracking Summary 7.7.2021 - Client provided Initial CD XXX. 7.7.2021 - Exception satisfied (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing the lenders QM Safe Harbor status designation. 7/7/21: Lender provided the QM Safe Harbor status designation. 7/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Assets Satisfied C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Missing two months consecutive retirement statements from XXX to meet reserve requirements.  7/7/21: Lender provided the quarterly statement from XXX, sufficient reserves verified. 7/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Assets Satisfied D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing two months consecutive retirement statements from XXX to meet reserve requirements.  7/7/21: Lender provided the quarterly statement from XXX, sufficient reserves verified. 7/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Legal Documents Satisfied D A D A CRDLGL100 Legal document incorrect or incomplete No Missing the payoff statements from first lien XXX. 7/7/21: Lender provided the payoff statements from first lien XXX. 7/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account signed by borrowers.  8/4/21: Lender provided the borrower signed authorization to close the HELOC with XXX.  8/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30235 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Terms/Guidelines Satisfied D A D A CRDTER146 Missing lender's loan approval/underwriting form No Missing the Underwriter Summary Transmission form 1008  7/7/21: Lender provided the Underwriter Summary Transmission form 1008. 7/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have over 6 years in current residence.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 5 years in current professions.
XXXXXX OBX2021J30187 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Income amount is unsupported due to missing documentation for XXX. Missing complete Form 1120-S 2019/2018 for XXX. Used Lender qualifying income. 6/14/21: Lender provided the 2019/2018 K1's.  Full tax returns in file.  6/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirement at 50% with a max LTV is 70%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 35 years.
XXXXXX OBX2021J30187 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Credit HMDA Satisfied C B C B CRDHMDA5198 ULI is not valid per CFPB Check Digit Tool No ULI is missing from file. unable to confirm with Check digit tool. 6/14/21: Lender provided the valid ULI. 6/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirement at 50% with a max LTV is 70%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 35 years.
XXXXXX OBX2021J30187 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Credit Income/Employment Satisfied C A C A CRDINC888 Income Amount is  Unsupported by Documentation in File No Income amount is unsupported due to missing documentation for XXX. Missing complete Form 1120-S 2019/2018 for XXX. and 2019/2018 Sched K-1 for XXX. Used Lender qualifying income. 6/14/21: Lender provided the 2019/2018 K1's.  Full tax returns in file.  6/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirement at 50% with a max LTV is 70%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 35 years.
XXXXXX OBX2021J30187 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A D A D B D B A A D A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing required AUS for file.  6/14/21: Lender provided the 1008 previously in file.  Still missing the AUS as required per guidelines.6/25/21: Lender provided the AUS findings report. 6/14/21: Exception remains.6/25/21: Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirement at 50% with a max LTV is 70%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 35 years.
XXXXXX OBX2021J30248 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 27%. guideline requirement is 45%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 787. Guideline requirement is 680.
XXXXXX OBX2021J30510 XXXXXX TX QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS findings report as required per guidelines. 8/16/21: Lender provided the AUS findings report. 8/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of 23.44%. Maximum DTI per guideline is 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has a credit score of 763. Maximum guideline requirement is 700.
XXXXXX OBX2021J30037 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission  Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Per the ROR expiration date is XXX.  Earliest expiration date is XXX.  Transaction date that is driven by the mortgage notary date is XXX. The final CD has disbursement date of XXX. Disbursement and Expiration date can not be the same.  2.22.21 - Client provided PCCD and Final ALTA confirming DD of XXX 2.22.21 - Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 42.51 months PITI reserves of $157,833.74; 9 months required.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in the same profession

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expenses reduced by $1,202.54/month, 24.46%.
XXXXXX OBX2021J30037 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Credit HMDA Satisfied N/A A N/A A CRDHMDA5207 Total Loan Costs tape field does not match audit field Total Loan Costs No Tape states total loan costs to be $XXX. Review found total loan costs to be $XXX per final CD. 2.25.2021 - Client provided PCCD with Loan costs of $4500.18. 2.25.21 - Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has 42.51 months PITI reserves of $157,833.74; 9 months required.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in the same profession

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Housing expenses reduced by $1,202.54/month, 24.46%.
XXXXXX OBX2021J30086 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing VVOE dated within 30 days of note date for XXX Limited Partnership.2. Missing the loan statement, final CD, and/or credit report confirming new P&I payment stated in 1003/1008 (XXX) for XXX. 5/19/21: Lender provided the Final CD confirming PI $1874.37 & TI $1110.77 for REO on XXX.  Still missing the VVOE dated within 30 days of note date for XXX.05.20.21: Lender responded. Compliant VVOE provided. 5/19/21: Exception remains for item #1.05.20.21:  Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per credit reports on file.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 13 years in current profession (XXX).
XXXXXX OBX2021J30086 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Right of Rescission  Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Final CD XXX discloses disbursement date of XXX.  Transaction date is XXX.  ROR disbursement date is XXX.  Loan disbursed prior to the end of statutory rescission period. 5.19.21 - Client provided PCCD with DD of XXX however missing Final ALTA to confirm disbursement date was on or after XXX.5.25.21 - Client provided Final ALTA with DD of XXX 5.19.21 - Exception remains5.25.21 - Exception satisfied (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per credit reports on file.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 13 years in current profession (XXX).
XXXXXX OBX2021J30086 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Assets Satisfied D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing the most recent 2 months statements depository or financial institution (XXX). The monthly statement for February is complete but the print-out provided for March shows transactions up until XXX not meeting two month requirement. 5/19/21: Lender provided the 1/31/21 XXX provided the two full months. 5/19/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per credit reports on file.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 13 years in current profession (XXX).
XXXXXX OBX2021J30086 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing the loan statement, final CD, and/or credit report confirming new P&I payment stated in 1003/1008 ($1874.00 - XXX 5/19/21: Lender provided the Final CD confirming PI $1874.37 & TI $1110.77 for REO on XXX. 5/19/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per credit reports on file.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 13 years in current profession (XXX).
XXXXXX OBX2021J30086 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied C A C A CRDINC2488 Verbal verification of employment missing No Missing verification of business's existence dated within 30 calendar days prior to the note date for XXX 5/19/21: Lender rebuttal that business XXX Ltd was not used for income.  Clayton response that both businesses were used for income per lender income documentation and income calculation worksheet.05.20.21: Lender Responded.  Provided VVOE from XXX family for borrower. 5/19/21: Exception remains.05.21.21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per credit reports on file.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 13 years in current profession (XXX).
XXXXXX OBX2021J30096 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP2298 Missing Second Appraisal No Per guidelines for cash out , missing second Appraisal for Loan amounts > $XXX. 5/26/21: Lender provided the second full appraisal confirming value $XXX. 5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guideline at 786 with a minimum credit core of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 15.29% with a max DTI of 40%.
XXXXXX OBX2021J30307 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) C B C B A A A A C B C B A A A A Credit HMDA Satisfied C B C B CRDHMDA5198 ULI is not valid per CFPB Check Digit Tool No No ULI was found on file. 6/9/21: Lender provided the valid ULI. 6/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of 38.82%. guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 776. guideline requirement is 680.
XXXXXX OBX2021J30116 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission  Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No CD discloses disbursement date as XXX.  ROR expiration date is XXX. Disbursement date is before end of statutory rescission period.  5.25.21 - Client provided PCCD and Final ALTA with DD of XXX. 5.25.21 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  796 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.73% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  59.18% LTV is below guideline maximum of 80%.
XXXXXX OBX2021J30170 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A B B D B D B A A B B Compliance Right of Rescission  Satisfied B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. 5/26/21: Client agreed to waive non material compliance exceptions.6/1/21: Lender provided the H9 ROR. 5/26/21: Exception waived.6/1/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 801 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.62% with a max DTI of 43%.
XXXXXX OBX2021J30170 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A B B D B D B A A B B Credit HMDA Satisfied C B C B CRDHMDA5198 ULI is not valid per CFPB Check Digit Tool No Missing required ULI. 5/26/21: Lender provided the ULI and was validated. 5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 801 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.62% with a max DTI of 43%.
XXXXXX OBX2021J30170 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A B B D B D B A A B B Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing required AUS for file.  5/26/21: Lender provided the AUS DU A/I. 5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 801 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.62% with a max DTI of 43%.
XXXXXX OBX2021J30268 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) C B C B A A A A C B C B A A A A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lenders QM Safe Harbor status designation.  Lender Underwriting Final Approval stated "No" to Safe Harbor. 07.02.21 - Lender responded. Provided UW Cover letter & ATR?QM info sheet with Safe Harbor designation. 07.02.21 - Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  789 credit score.  Minimum required is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 31.02% below maximum allowed of 40%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 59mos; maximum required 12mos
XXXXXX OBX2021J30268 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) C B C B A A A A C B C B A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX does not match audit field Appraised Value $XXX. 6/22/21: Lender provided the HMDA tape data confirming value $XXX. 6/22/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  789 credit score.  Minimum required is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 31.02% below maximum allowed of 40%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 59mos; maximum required 12mos
XXXXXX OBX2021J30268 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) C B C B A A A A C B C B A A A A Credit HMDA Satisfied C B C B CRDHMDA5198 ULI is not valid per CFPB Check Digit Tool No ULI not documented in file 6/21/21: Lender provided the valid ULI. 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  789 credit score.  Minimum required is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 31.02% below maximum allowed of 40%.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 59mos; maximum required 12mos
XXXXXX OBX2021J30431 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing document from lender that states ATR / QM: Safe Harbor Status. 8/16/21: Lender provided the QM Safe Harbor status determination. 8/16/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has eighteen years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on credit report.
XXXXXX OBX2021J30431 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Missing HMDA Tape Value from lender in order to confirm. 8/4/21: Lender provided updated tape 8/4/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has eighteen years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on credit report.
XXXXXX OBX2021J30431 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit HMDA Satisfied C B C B CRDHMDA5198 ULI is not valid per CFPB Check Digit Tool No Missing document from lender stating ULI#. 8/4/21: Lender provided the value ULI number. 8/4/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has eighteen years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on credit report.
XXXXXX OBX2021J30431 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A A A C B C B A A A A Credit Terms/Guidelines Waived B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No Per XXX Credit Matrix, the maximum cashout cannot exceed $XXX in total sensitization. The Final CD dated XXX advises $175,576.00 was provided in cash and $186428.44 paid-off HELOC with XXX. The total combined amount ($362,004.44) exceed investor limit ($325,000.00). 8/6/21: Client requested to waive via email due to low overage.  8/6/21: Exception waived. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has eighteen years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on credit report.
XXXXXX OBX2021J30126 XXXXXX AL QM: Safe Harbor QM: Safe Harbor D A D A C A D A D A D A C A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 7/8/21: Lender provided the copy of payoff check and Satisfaction of Mortgage for XXX 7/8/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.73% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  45.67% LTV is below guideline maximum of 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 16 years.
XXXXXX OBX2021J30126 XXXXXX AL QM: Safe Harbor QM: Safe Harbor D A D A C A D A D A D A C A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 7/8/21: Lender provided the copy of payoff check and Satisfaction of Mortgage for HELOC with XXX.  7/8/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.73% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  45.67% LTV is below guideline maximum of 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 16 years.
XXXXXX OBX2021J30126 XXXXXX AL QM: Safe Harbor QM: Safe Harbor D A D A C A D A D A D A C A D A Credit Legal Documents Satisfied D A D A CRDLGL2644 Missing proof there were no draws on HELOC in the last 12 months > $2,000 No Missing proof there were no draws on HELOC with XXX in the last 12 months > $2,000.  7/8/21: No documentation provided to address exception.  Still missing proof there were no draws on HELOC with XXX in the last 12 months > $2,000 for this rate and term refinance transaction. 7/28/21: Lender provided HELOC statement and supplemental credit report. Also provided - 24 month account history showing no draws in the last 12 months. 7/8/21: Exception remains.7/28/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.73% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  45.67% LTV is below guideline maximum of 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 16 years.
XXXXXX OBX2021J30126 XXXXXX AL QM: Safe Harbor QM: Safe Harbor D A D A C A D A D A D A C A D A Property Valuations FEMA Satisfied C A C A PRVAFEMA217 Natural Disaster Area, no subsequent inspection (Individual) No Missing PDI for FEMA disaster #XXX 7/8/21: Lender provided the Appraisal Update with photos confirming no damage to subject property. 7/8/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  31.73% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  45.67% LTV is below guideline maximum of 80%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX for 16 years.
XXXXXX OBX2021J30404 XXXXXX AL QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Missing the 2020 & 2019 W2 IRS wage transcripts for each borrower. 8/6/21: Lender provided the 2020 & 2019 W2 IRS wage transcripts for each borrower. 8/6/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.83% DTI is below guideline maximum of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 9 years and 9 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  68.42% LTV is below guideline maximum of 80%.
XXXXXX OBX2021J30404 XXXXXX AL QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required per guidelines. 8/6/21: Lender provided the AUS findings report. 8/6/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.83% DTI is below guideline maximum of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 9 years and 9 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  68.42% LTV is below guideline maximum of 80%.
XXXXXX OBX2021J30404 XXXXXX AL QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing the CDA to support the appraised value. 8/6/21: Lender provided the CDA that supports the appraised value. 8/6/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  15.83% DTI is below guideline maximum of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 9 years and 9 months.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  68.42% LTV is below guideline maximum of 80%.
XXXXXX OBX2021J30457 XXXXXX AL QM: Safe Harbor (APOR) QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  21.15% DTI is below guideline maximum of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Borrowers have paid 0x30 on all consumer debt with no derogatory credit reported.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  21.45 months reserves exceed guideline minimum of 12 months.
XXXXXX OBX2021J30485 XXXXXX AL QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX (purchase price) does not match audit field Appraised Value $XXX. 8/11/21: Lender provided the HMDA tape data confirming property value. 8/11/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 23 % maximum guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 790. maximum guideline requirement is 650.
XXXXXX OBX2021J30048 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Property Satisfied D A D A PRVAPROP111 Legal Nonconforming w/out Rebuild Letter No Legal Non-Conforming w/out Rebuild Letter.  5/27/21: Lender provided the Appraisal Update confirming no damage from FEMA disaster, previously in file.  Still missing appraiser statement for confirmation subject may be rebuilt if destroyed.  Legal Non-Conforming w/out Rebuild Letter. 6/2/21: Lender provided the corrected appraisal listing zoning as Legal and appraisers statement for making the change. 5/27/21: Exception remains.6/2/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 40 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has significant time in Profession with 26 years.
XXXXXX OBX2021J30024 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 787 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 21.41% with a max DTI of 43%.
XXXXXX OBX2021J30018 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C A A A C B C B C A A A C B Compliance Right of Rescission  Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR earliest Expiration Date is XXX. CD Disbursement Date is XXX. Disbursement date is before end of statutory rescission period. 4.1.2021 - Client provided PCCD XXX correcting disbursement date. 4.1.2021 Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 798 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 9.055% with a max DTI of 43%.
XXXXXX OBX2021J30018 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C A A A C B C B C A A A C B Credit Income/Employment Satisfied C A C A CRDINC150 Income docs do not meet guidelines No Missing the 1120S business tax transcripts as required per guidelines. 5/7/21: Lender provided the 1120S business tax transcripts.  5/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 798 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 9.055% with a max DTI of 43%.
XXXXXX OBX2021J30017 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission  Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR expiration date is XXX.  CD disbursement date is XXX.  Disbursement date is before end of statutory rescission period. 4.14.2021 Client provided PCCD, LOX, and proof of delivery to borrower. 4.14.2021 Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 803 with a minimum credit score of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 26.59% with a max DTI of 43%.
XXXXXX OBX2021J30030 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 13.11%, Max DTI 43%.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has been in the same line of profession for 19 years.
XXXXXX OBX2021J30389 XXXXXX ID QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS findings report as required by guidelines. 7/23/21: Lender provided the AUS findings report. 7/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current position for 6 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower qualifying FICO credit score of 757 exceeds minimum guideline requirements of 700 by 57 points.
XXXXXX OBX2021J30323 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No The property value is $XXX, differs from property value of $XXX stated in property report. 8/10/21: Lender provided the HMDA data confirming value $XXX. 8/10/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts per credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has ten years in current profession.
XXXXXX OBX2021J30323 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS, XXX requirement. 8/10/21: Lender provided the AUS findings report. 8/10/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts per credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has ten years in current profession.
XXXXXX OBX2021J30036 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 787 exceeds guidelines 700 by 87 points

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $350,782.42 or 64.67mos exceed guidelines
XXXXXX OBX2021J30042 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Legal Documents Satisfied D A D A CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing copy of 2nd lien Note (subject is 1st lien). Unable to determine if other financing in the amount of XXX 4/8/21: Lender provided the XXX Agreement and Disclosure Statement. 4/8/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 803 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 14.67% with a max DTI of 40%.
XXXXXX OBX2021J30059 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A Credit HMDA Satisfied A A A A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field does not match audit field Appraised Value  6/24/21: Lender provided updated tape 6/24/21:  Exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per VOE, borrower started employment on XXX.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit report on record, no major occurrences.
XXXXXX OBX2021J30059 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A Credit HMDA Satisfied N/A A N/A A CRDHMDA5200 Loan Purpose tape field does not match audit field Loan Purpose No Loan Purpose tape field does not match audit field Loan Purpose  6/24/21: Lender response that the corrected tape was delivered.  Upon further review the corrected tape documentation has not been received.6.25.2021 - Client provided updated tape 6/24/21: Exception remains.6.25.2021 - Exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per VOE, borrower started employment on XXX.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit report on record, no major occurrences.
XXXXXX OBX2021J30063 XXXXXX IL QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance Right of Rescission  Waived B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. 5.21.21 - Client agreed to waive non-material compliance exceptions.  5.21.21 -Exception waived (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as the XXX. for the past 19.7 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned primary residence for the past 20.1 years with no major mortgage lates.
XXXXXX OBX2021J30064 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 6/14/21: Lender provided the HELOC payoff check, verification of receipt and payoff statement to close account signed by lender. 6/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been XXX at current job for 19 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 749 exceeds guidelines 720
XXXXXX OBX2021J30064 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing the lenders QM Safe Harbor status designation. 6/14/21: Lender provided the QM Safe Harbor status designation. 6/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been XXX at current job for 19 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 749 exceeds guidelines 720
XXXXXX OBX2021J30064 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied C A C A CRDINC150 Income docs do not meet guidelines No Missing the 2020 & 2019 IRS tax transcripts for B1 1120S business New Concept as required per guidelines. 6/14/21:L Lender provided the 2019 & 2018 IRS tax transcripts for B1 1120S business New Concept.  Missing the 2020 transcripts, tax returns used to calculate income.  6/25/21: Lender provided the 2020 1120S transcripts. 6/14/21: Exception remains.6/25/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been XXX at current job for 19 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 749 exceeds guidelines 720
XXXXXX OBX2021J30064 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 6/14/21: Lender provided the HELOC payoff check, verification of receipt and payoff statement to close account signed by lender. 6/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been XXX at current job for 19 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 749 exceeds guidelines 720
XXXXXX OBX2021J30061 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  779 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  14.36% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  39.47% DTI is below guideline maximum of 80%.
XXXXXX OBX2021J30065 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A A A D B D B A A A A Credit General Credit Satisfied D B D B CRDGCR5289 Taxpayer First-IRS-provided taxpayer information in file; borrower consent to share taxpayer information not found No Taxpayer Consent form was not provided in loan file. 6/2/21: Lender provided the Taxpayer Consent form. 6/2/21: Exception satisfied. Not Applicable Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed as a XXX for 30 Years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Both borrowers have significant time at current residence ; (23 Years)
XXXXXX OBX2021J30065 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A A A D B D B A A A A Credit Income/Employment Satisfied C A C A CRDINC150 Income docs do not meet guidelines No 1. Missing signatures on the 2019/2018 1040 tax returns as required per guidelines.2. Missing signatures on the borrowers P&L statement and Balance Sheet as required per guidelines. 6/3/21: Lender provided the signed 2019/2018 1040 tax returns and the signed P&L statement and Balance Sheet. 6/3/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed as a XXX for 30 Years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Both borrowers have significant time at current residence ; (23 Years)
XXXXXX OBX2021J30065 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A A A D B D B A A A A Credit Terms/Guidelines Waived B B B B CRDTER109 Cash Out Amount Exceeds Guidelines No Maximum cash out allowed $325,000.  Borrower cash in hand $234,302.11 + HELOC payoff $101,292.73 - POC $6,641.70 = $328,953.14 total cash out. 6/11/21: Client agreed to waive non-material condition. 6/11/21: Exception waived. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed as a XXX for 30 Years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Both borrowers have significant time at current residence ; (23 Years)
XXXXXX OBX2021J30179 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Assets:$XXX in total assets documented. Effective amount is $163,968.27, with liquid assets of $XXX. Cash required to close $493.69. Post close reserves are $163,474.58. Reserves required $6790.60 x 9 = $61,115.40.Excess Post-closing reserves of $102,359.18.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 791 is 91 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 54.66% is 25.34 below the maximum of  80%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $6252.06; Subject PI is $4671.69. Monthly savings of $1580.37.
XXXXXX OBX2021J30118 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance Borrower's Interest Waived B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No MA Borrower Interest; Worksheet missing  6/3/21: Client agreed to waive non-compliance exceptions. 6/3/21: Exception waived. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a low DTI of 0f 25.80%. guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a high credit score of 804. guideline requirement is 700.
XXXXXX OBX2021J30139 XXXXXX IL QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 765 with a minimum credit score of 700.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time at current residence with 14.8 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 32.1 years.
XXXXXX OBX2021J30178 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B A A A A C B C B A A A A C B Compliance Right of Rescission  Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No ROR Rescission Date is XXX. Final CD Disbursement Date is XXX. Disbursement date is before end of statutory rescission period. 6.3.2021 - Client provided PCCD and Final ALTA with DD of XXX. 6.3.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 797 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 20.81% with a max DTI of 40%.
XXXXXX OBX2021J30140 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 43.64% below guideline requirements 80%

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 58 months zero lates exceeds guidelines of 12 months.
XXXXXX OBX2021J30198 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Guidelines require that all tax returns be validated by IRS tax transcripts. Provide IRS tax transcripts to validate business tax returns from XXX 8/2/21: Lender provided the 1065 IRS tax transcripts. 8/2/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 776 is 76 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 30.14% is 39.86 below the maximum of 70%.
XXXXXX OBX2021J30198 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3604 TRID - Error discovered on Closing Disclosure No Please provide legible copy of final CD.  For final CD in file, the years under projected payments on page 1 is not legible.  Also, the main totals on page 2 are not legible. 6.24.2021 - Client provided legible copy of Final CD 6.24.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 776 is 76 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 30.14% is 39.86 below the maximum of 70%.
XXXXXX OBX2021J30198 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied B A B A CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing self employed VVOE.  07.02.21: Lender provided XXX VVOE with CPA letter 07.02.21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 776 is 76 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 30.14% is 39.86 below the maximum of 70%.
XXXXXX OBX2021J30198 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Guidelines require that all tax returns be validated by IRS tax transcripts. Provide IRS tax transcripts to validate business tax returns from XXX 8/2/21: Lender provided the 1065 IRS tax transcripts. 8/2/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 776 is 76 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 30.14% is 39.86 below the maximum of 70%.
XXXXXX OBX2021J30198 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit Terms/Guidelines Satisfied C A C A CRDTER3122 Loan documents do not meet guideline requirements No Guidelines require the title report be within 60 days of the note date. Title dated XXXProvide updated title report.  6/24/21: Lender provided the Final short form title policy. 6/24/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 776 is 76 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 30.14% is 39.86 below the maximum of 70%.
XXXXXX OBX2021J30009 XXXXXX WY QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing the complete 2019 & 2018 1040 tax returns.2. Missing the complete 2019 & 2018 1120S business tax returns with all schedules and K1's.3. Missing verification of taxes and insurance for REO property on XXX 1/29/21: Lender provided the complete 2019 & 2018 1040 tax returns and the complete 2019 & 2018 1120S business tax returns with all schedules and K1's.  Lender provided verification of taxes $XXX. 1/29/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of  11.08% is below guideline requirement of 40%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower and co-borrower have been in same profession for 27 years
XXXXXX OBX2021J30009 XXXXXX WY QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of taxes and insurance for REO property on XXX 1/29/21: Lender provided verification of taxes $XXX 1/29/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of  11.08% is below guideline requirement of 40%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower and co-borrower have been in same profession for 27 years
XXXXXX OBX2021J30009 XXXXXX WY QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No 1. Missing the complete 2019 & 2018 1040 tax returns.2. Missing the complete 2019 & 2018 1120S business tax returns with all schedules and K1's.3. Missing the 2019 & 2018 1040 tax transcripts.4. Missing the 2019 & 2018 1120S business tax transcripts. 1/29/21: Lender provided the complete 2019 & 2018 1040 tax returns and the complete 2019 & 2018 1120S business tax returns with all schedules and K1's. Still missing the 2019 & 2018 1040 tax transcripts and the 2019 & 2018 1120S business tax transcripts.3/24/21: Lender provided the 2018 & 2017 1040 transcripts.  Still missing the 2019 1040 tax transcripts and the 2019 & 2018 1120S business tax transcripts.4/2/21: Lender provided verification of 2019-2017 1120S transcripts.  Still missing the 2019 1040 tax transcripts.  4/6/21: Lender provided the IRS transcript for 2019 as of no record of return filed as of 4/2/19 1/29/21: Exception remains.3/24/21: Exception remains.4/2/21: Exception remains.4/6/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of  11.08% is below guideline requirement of 40%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower and co-borrower have been in same profession for 27 years
XXXXXX OBX2021J30517 XXXXXX MN QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) C A A A A A C A C A A A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Per Disclosure Tracking Summary missing Initial CD issued XXX 7.28.2021 - Client provided Initial CD XXX  7.28.2021 - Exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant years at current job with 22 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 783 with a minimum credit score of 700.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have significant time at current residence with 30 years.
XXXXXX OBX2021J30476 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C A C B C B A A C A Compliance Compliance Manual Satisfied C A C A CMPMAN2994 Licensing-related issue based on review of NMLS web site No NMLS Website is currently under maintenance, unable to validate through 7/26 7am. 07.27.21 - Lender provided NMLS verification. 07.28.21 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been on line of work for 18 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Qualifying FICO of 760 exceeds Guidelines minimum FICO requirement OF 700 by 60 Points.
XXXXXX OBX2021J30476 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C A C B C B A A C A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lenders QM Safe Harbor status determination. 8/2/21: Lender provided the QM Safe Harbor status determination. 8/2/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been on line of work for 18 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Qualifying FICO of 760 exceeds Guidelines minimum FICO requirement OF 700 by 60 Points.
XXXXXX OBX2021J30476 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C A C B C B A A C A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX does not match audit field Appraised Value $XXX. 7.26.2021- Client provided updated tape 7.26.2021 - Exception satisfied (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been on line of work for 18 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Qualifying FICO of 760 exceeds Guidelines minimum FICO requirement OF 700 by 60 Points.
XXXXXX OBX2021J30476 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C A C B C B A A C A Credit HMDA Satisfied C B C B CRDHMDA5198 ULI is not valid per CFPB Check Digit Tool No Missing Universal Loan Identifier confirming loan number XXX as required per guidelines. 07.27.21 - Lender provided valid ULI Info. 07.28.21 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been on line of work for 18 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Qualifying FICO of 760 exceeds Guidelines minimum FICO requirement OF 700 by 60 Points.
XXXXXX OBX2021J30476 XXXXXX CA QM: Safe Harbor QM: Safe Harbor C B C B A A C A C B C B A A C A Credit Income/Employment Satisfied C A C A CRDINC150 Income docs do not meet guidelines No Missing the 2020 & 2019 1120S business Tax Transcripts as required per guidelines. 07.27.21 - Lender provided Tax Transcripts for business for 2019 and 2020. 07.28.21 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been on line of work for 18 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Qualifying FICO of 760 exceeds Guidelines minimum FICO requirement OF 700 by 60 Points.
XXXXXX OBX2021J30161 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Fraud report indicates borrower also has ownership interest in XXX - missing evidence of HOA, HOI and Taxes for proper DTI calculation. 4/29/21: Lender provided verification of taxes, insurance and HOA for XXX.  No documentation to support the ownership or borrowers non-ownership for unit XXX nor verification of taxes, insurance and HOA for unit XXX. 6/18/21: Lender response that unit XXX is held in life estate for partner not in borrowers name.  Per fraud report this is verified. 4/29/21: Exception remains.6/18/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $831,307.79, with liquid assets of $XXX. Cash required to close $514,354.10. Post close reserves are $316,953.69. Reserves required on subject property: $6595.04 x 6 = $39,570.24.Excess Post-closing reserves of $277,383.45.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 65.57% is 14.43 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 13.29% is 29.71 points below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30161 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No  Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $831,307.79, with liquid assets of $XXX. Cash required to close $514,354.10. Post close reserves are $316,953.69. Reserves required on subject property: $6595.04 x 6 = $39,570.24.Excess Post-closing reserves of $277,383.45.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 65.57% is 14.43 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 13.29% is 29.71 points below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30161 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Guidelines require all components of PITIA for all properties owned. Fraud report indicates borrower has ownership interest in XXXProvide evidence of taxes, HOA and insurance reflecting property lien free with total monthly cost of $680. 4/29/21: Lender provided verification of taxes, insurance and HOA for XXX.  No documentation to support the ownership or borrowers non-ownership for XXX nor verification of taxes, insurance and HOA for XXX. 6/18/21: Lender response that XXX is held in life estate for partner not in borrowers name.  Per fraud report this is verified. 4/29/21: Exception remains. 6/18/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $831,307.79, with liquid assets of $XXX. Cash required to close $514,354.10. Post close reserves are $316,953.69. Reserves required on subject property: $6595.04 x 6 = $39,570.24.Excess Post-closing reserves of $277,383.45.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 65.57% is 14.43 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 13.29% is 29.71 points below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30161 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property value is XXX and supported by desk review dated  XXX.  4/29/21: Lender provided the tape data confirming value. 4/29/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $831,307.79, with liquid assets of $XXX. Cash required to close $514,354.10. Post close reserves are $316,953.69. Reserves required on subject property: $6595.04 x 6 = $39,570.24.Excess Post-closing reserves of $277,383.45.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 65.57% is 14.43 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 13.29% is 29.71 points below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30466 XXXXXX CO QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing the complete signed 2020 & 2019 1040 tax returns with Schedule C.2. Missing the complete signed 2020 & 2019 1120S business returns with K1's. 8/2/21: Lender provided the complete signed 2020 & 2019 1040 tax returns with Schedule C, the complete signed 2020 & 2019 1120S business returns with K1's and the 2020 & 2019 1120S IRS tax transcripts as required per guidelines. 8/2/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has over 5 years in current profession as a XXX.

CFCFS2860: Good credit history
- Clayton Comments:  Co-Borrower has no derogatory items on credit report.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 771 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.31% with a max DTI of 43%.
XXXXXX OBX2021J30466 XXXXXX CO QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field of $XXX (purchase price) does not match audit field Appraised Value of $XXX.  8/2/21: Lender provided the Mavent report and fraud report.  Still missing the HMDA tap data confirming  audit field Appraised Value of $XXX. 8/5/21: Lender provided the HMDA tape data confirming property value of $XXX. 8/2/21: Exception remains.8/5/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has over 5 years in current profession as a XXX.

CFCFS2860: Good credit history
- Clayton Comments:  Co-Borrower has no derogatory items on credit report.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 771 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.31% with a max DTI of 43%.
XXXXXX OBX2021J30466 XXXXXX CO QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No 1. Missing the complete signed 2020 & 2019 1040 tax returns with Schedule C.2. Missing the complete signed 2020 & 2019 1120S business returns with K1's.3. Missing the 2020 & 2019 1120S IRS tax transcripts as required per guidelines.  8/2/21: Lender provided the complete signed 2020 & 2019 1040 tax returns with Schedule C, the complete signed 2020 & 2019 1120S business returns with K1's and the 2020 & 2019 1120S IRS tax transcripts as required per guidelines. 8/2/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has over 5 years in current profession as a XXX.

CFCFS2860: Good credit history
- Clayton Comments:  Co-Borrower has no derogatory items on credit report.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 771 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.31% with a max DTI of 43%.
XXXXXX OBX2021J30197 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A A A D B D B A A A A Credit Assets Satisfied D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements No Provide one month additional bank statement for account with XXX. One statement from period 03/01-03/31/21 has been provided and two months consecutive are required. Funds are needed to meet reserve requirements therefore account cannot be omitted. 5/26/21: Lender provided the 2/28/21 statement from XXX. 5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence 7 years 6 months

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 24 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job 9 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: Borrower- 25 years; Co borrower- 10 years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co borrower has additional compensation bonus and RSU not used in qualifying.
XXXXXX OBX2021J30197 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A A A D B D B A A A A Credit HMDA Satisfied C B C B CRDHMDA5198 ULI is not valid per CFPB Check Digit Tool No Unable to determine if ULI is valid as it was not provided. Provide ULI for determination. 5/26/21: Lender provided the ULI and was validated. 5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence 7 years 6 months

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 24 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job 9 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: Borrower- 25 years; Co borrower- 10 years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co borrower has additional compensation bonus and RSU not used in qualifying.
XXXXXX OBX2021J30197 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A A A D B D B A A A A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC has been paid and closed to future draws, letter has not been signed/ dated. 5/26/21: Lender provided verification that HELOC was paid and closed per payoff letter to lender requesting closure and lien release. 5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence 7 years 6 months

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 24 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job 9 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: Borrower- 25 years; Co borrower- 10 years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co borrower has additional compensation bonus and RSU not used in qualifying.
XXXXXX OBX2021J30197 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D B A A A A D B D B A A A A Credit Terms/Guidelines Satisfied B A B A CRDTER109 Cash Out Amount Exceeds Guidelines No Cash out of $348,931.43 exceeds guideline maximum of $325,000.00. 5/26/21: Lender provided the CD XXX showing cash to borrower of $9,716.21.  Loan paid off 1st lien and HELOC of $XXX.  HELOC was not verified to have no draws in the last 12 months therefore the payoff amount was included in total cash out that exceeds the guideline maximum of $325,000.6/11/21: Lender provided the HELOC account statements confirming cash draws in last 12 months, transaction verified as cash out.  Total cash out that exceeds the guideline maximum of $325,000.6/23/21: Lender provided invoice of construction cost from 6/2020 through 1/2021. The prior HELOC  account statements confirm cash draws in last 12 months, transaction verified as cash out.  Total cash out that exceeds the guideline maximum of $325,000.6/24/21: Upon further review per guidelines HELOC used for home improvements, lender provided documentation to verify.  Allowable to not be considered as cash out. 5/26/21: Exception remains.6/11/21: Exception remains.6/23/21: Exception remains.6/24/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence 7 years 6 months

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 24 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job 9 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: Borrower- 25 years; Co borrower- 10 years

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Co borrower has additional compensation bonus and RSU not used in qualifying.
XXXXXX OBX2021J30393 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing fully executed HUD-1 from sale of REO on XXX. 2. Missing verification of PITI for REO on XXX. 07.24.21 - 1 -Client provided Wire  transactions for proceeds for sale of XXX. Letter of explanation detailing how proceeds were disbursed. Updated XXX through 05.28.21 provided, reflecting deposit from sale of REO.2 - Client provided HELOC note and statement . 07.26.21 - Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major mortgage related occurrences during the past two years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 23 year in current profession.
XXXXXX OBX2021J30393 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Assets Satisfied C A C A CRDAST205 Insufficient Funds to Close No Insufficient Funds due to missing year to date printout  and / or monthly statement for XXX validating cash value of $625,216.97. Short on funds to close in the amount of $335,229.86 07.24.21 - Client provided Wire  transactions for proceeds for sale of XXX. Letter of explanation detailing how proceeds were disbursed. Updated XXX through 05.28.21 provided, reflecting deposit from sale of REO. 07.26.21 - Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major mortgage related occurrences during the past two years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 23 year in current profession.
XXXXXX OBX2021J30393 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of PITI for REO on XXX. 07.24.21 - Client provided HELOC statement for XXX. 07.26.21 - Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major mortgage related occurrences during the past two years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 23 year in current profession.
XXXXXX OBX2021J30393 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Legal Documents Satisfied D A D A CRDLGL2550 Missing HUD-1 from sale of property No Missing fully executed HUD-1 from sale of REO on XXX 07.24.21 - Client provided Wire  transactions for proceeds for sale of XXX. Letter of explanation detailing how proceeds were disbursed. Updated XXX through 05.28.21 provided, reflecting deposit from sale of REO. 05.26.21 - Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major mortgage related occurrences during the past two years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 23 year in current profession.
XXXXXX OBX2021J30393 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Terms/Guidelines Satisfied D A D A CRDTER146 Missing lender's loan approval/underwriting form No Missing lenders income calculation worksheet.  07.24.21 - Client provided Income Calc Worksheet 07.26.21  - Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major mortgage related occurrences during the past two years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 23 year in current profession.
XXXXXX OBX2021J30393 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS findings report as required per guidelines.  07.24.21 - Client provided  'Approve Ineligible' AUS. 07.26.21 - Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major mortgage related occurrences during the past two years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 23 year in current profession.
XXXXXX OBX2021J30393 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated CDA valuation supporting original appraisal value. 07.24.21 - Client provide full appraisal review. 07.26.21 - Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major mortgage related occurrences during the past two years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 23 year in current profession.
XXXXXX OBX2021J30395 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of PITI for REO on XXX. 6/23/21: Lender provided LOE that current second home is F&C under contract to sell.  New second home has yet to be purchased.  Lender provided the corrected updated 1003 and 1008.  6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 31.63%. Maximum guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has credit score of 773. Guideline requirement is 680.
XXXXXX OBX2021J30395 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Compliance Borrower's Interest Waived B B B B CMPBI1623 MA Borrower Interest; Worksheet missing No MA Borrower Interest; Worksheet missing  6/17/21: Client agreed to waive non material compliance exceptions. 6/17/21: Exception waived. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 31.63%. Maximum guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has credit score of 773. Guideline requirement is 680.
XXXXXX OBX2021J30395 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of PITI for REO on Main Street. 6/23/21: Lender provided LOE that current second home is F&C under contract to sell.  New second home has yet to be purchased.  Lender provided the corrected updated 1003 and 1008.  6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 31.63%. Maximum guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has credit score of 773. Guideline requirement is 680.
XXXXXX OBX2021J30395 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Missing the two years W2 wage IRS transcripts. 6/23/21: Lender provided the two years W2 wage IRS transcripts. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 31.63%. Maximum guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has credit score of 773. Guideline requirement is 680.
XXXXXX OBX2021J30395 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit Legal Documents Satisfied D A D A CRDLGL100 Legal document incorrect or incomplete No Missing a copy of the current mortgage statement from XXX HELOC to verify current balance and payment. 6/23/21: Lender provided the current mortgage statement from XXX HELOC that verified current balance and payment. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 31.63%. Maximum guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has credit score of 773. Guideline requirement is 680.
XXXXXX OBX2021J30395 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit Legal Documents Satisfied D A D A CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing the copy of the Note and Credit Line agreement from XXX. 6/23/21: Lender provided the Note and Credit Line agreement from XXX 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 31.63%. Maximum guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has credit score of 773. Guideline requirement is 680.
XXXXXX OBX2021J30395 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit Legal Documents Satisfied D A D A CRDLGL140 Missing subordination agreement for existing junior lien No Missing the fully executed subordination from XXX 6/23/21: Lender provided the fully executted subordination agreement. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 31.63%. Maximum guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has credit score of 773. Guideline requirement is 680.
XXXXXX OBX2021J30395 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required per guidelines. 6/23/21: Lender provided the AUS findings report. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 31.63%. Maximum guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has credit score of 773. Guideline requirement is 680.
XXXXXX OBX2021J30395 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated CDA to support the appraised value. 6/23/21: Lender provided the CDA that supports the appraised value. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 31.63%. Maximum guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has credit score of 773. Guideline requirement is 680.
XXXXXX OBX2021J30143 XXXXXX ID QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property tape value of $XXX isn't in concordance with current value per appraisal of $XXX 6/4/21: Lender provided the HMDA confirming value. 6/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed as a XXX for 25 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's FICO credit score of 836 exceeds required score of 700 by 136 points.
XXXXXX OBX2021J30047 XXXXXX ID QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP130 Application is incomplete No Missing initial 1003 XXX Loan Application that aligns with application date stated in documents (01/7/2021). 5/17/21: Lender provided the initial 1003 dated 1/12/21. 5/17/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 20 years of experience in current industry per 1003 Application.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per updated credit report 03/29/2021.
XXXXXX OBX2021J30091 XXXXXX ID QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. File is missing final CD for sale of Condo.File is missing proof of secured funds from XXXFile is missing proof of funds from ICCU.  6/1/21: Lender provided the settlement statement from sale of REO on XXX verifying net proceeds of $XXX, sufficient funds to close. 6/1/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence with 18 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.48% with a max DTI of 43%.
XXXXXX OBX2021J30091 XXXXXX ID QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit Assets Satisfied C A C A CRDAST205 Insufficient Funds to Close No Insufficient funds to close. Per Final CD, funds required to close are $XXX and reserves of $18,130.30. Assets per file documentation is $XXX. Short funds to close are $177,331.25. Final application reflects liquid balance of $601,555.06.  Missing Proof of funds received from asset withdrawal from HELOC and/or Sale of Condo. 04.05.21 - Lender provided same asset statements which were in file. No change in asset balances.6/1/21: Lender provided the final settlement statement from sale of REO XXX with net proceeds $XXX.  Sufficient funds to close verified. 04.05.2021 - Exception remains.6/1/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence with 18 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.48% with a max DTI of 43%.
XXXXXX OBX2021J30091 XXXXXX ID QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field of $XXX does not match audit field Appraised value of $XXX. Per Appraisal, subject's property value is $XXX.  04.05.2021 - Lender provided HMDA tapa data which reflects property value of $XXX 04.05.2021 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence with 18 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.48% with a max DTI of 43%.
XXXXXX OBX2021J30091 XXXXXX ID QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit Legal Documents Satisfied D A D A CRDLGL2996 Missing Trust Documents No Trust docs missing. 04.05.2021 - Lender providedXXX review as well as signed Trust documents. 04.05.21 - Exception Satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence with 18 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.48% with a max DTI of 43%.
XXXXXX OBX2021J30091 XXXXXX ID QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing CDA to support original Appraised Value.  04.05.2021 - Lender provided updated CDA which supports original appraisal value. 04.05.21 - Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence with 18 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.48% with a max DTI of 43%.
XXXXXX OBX2021J30403 XXXXXX ID QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  789 credit score exceeds guideline minimum of 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  50.52 months reserves exceed guideline minimum of 9 months.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with the same employer for 6 years and 1 month.
XXXXXX OBX2021J30398 XXXXXX WA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field of $XXX does not match audit field Appraised Value of $XXX. Per Appraisal and CDA, subject's value is $XXX.  8/4/21: Lender confirmed HMDA tape value $XXX. 8/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 789 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 34.15% with a max DTI of 40%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have significant time at current residence with 12.1 years.
XXXXXX OBX2021J30089 XXXXXX WA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current Job (14 years)

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant tie at current residence (12 Years)
XXXXXX OBX2021J30217 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Compliance Right of Rescission  Satisfied C A C A CMPROR114 ROR - Right of Rescission not executed by all title holders No Only ROR provided in file is for Co-Borrower. Please provide ROR for Borrower 1. 6.24.2021 - Client provided ROR's for all title holders. 6.24.2021 - Exception satisfied (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items on record.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Both borrowers work in an industry that is in high demand (information technology) and their income should continue to rise per WVOEs / paystubs on record.
XXXXXX OBX2021J30217 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Credit Application Satisfied D A D A CRDAPP2298 Missing Second Appraisal No Missing second appraisal; Cash-Out Refinances that exceed XXX (loan amount) requires two appraisals. 6/24/21: Lender provided the second full appraisal with value $XXX. 6/24/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items on record.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Both borrowers work in an industry that is in high demand (information technology) and their income should continue to rise per WVOEs / paystubs on record.
XXXXXX OBX2021J30217 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing letter from lender and/or borrowers advising that HELOC being paid off shall not be used for future draws. 7/7/21: Lender provided the signed authorization to close HELOC with XXX. 7/7/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items on record.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Both borrowers work in an industry that is in high demand (information technology) and their income should continue to rise per WVOEs / paystubs on record.
XXXXXX OBX2021J30217 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Property Valuations Appraisal Satisfied N/A A N/A A PRVAAPPR3116 Missing updated valuation No **6/24/21: Lender provided second full appraisal with value $XXX as required per guidelines.  This appraisal is lower of the two and CDA is required to validate this appraisal.  CDA in file for original appraisal with value of $XXX.  Provide CDA to validate the appraised value $XXX.   7/7/21: Lender provided the CDA that validates the appraised value $XXX.  7/7/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items on record.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Both borrowers work in an industry that is in high demand (information technology) and their income should continue to rise per WVOEs / paystubs on record.
XXXXXX OBX2021J30219 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of some or all components of non-subject PITI borrower's former primary residence XXX; Provide current mortgage statement showing PITI or Mortgage statement, Tax Cert, Hazard Insurance, and HOA payment if applicable. 6/16/21: Lender provided the XXX Mortgage statement confirming PITI $3703.26. 6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $333,176.23 or 58.87 mos PITI exceed guidelines

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds guidelines 700 by 100 points
XXXXXX OBX2021J30219 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of PITI from departure resident on XXX or provide verification payment of $3,703 shown on credit report includes escrow.  6/16/21: Lender provided the XXX statement confirming PITI $3703.26. 6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $333,176.23 or 58.87 mos PITI exceed guidelines

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds guidelines 700 by 100 points
XXXXXX OBX2021J30219 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX does not match audit field Appraised Value is $XXX. 6/16/21: Lender provided the HMDA confirming value. 6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $333,176.23 or 58.87 mos PITI exceed guidelines

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds guidelines 700 by 100 points
XXXXXX OBX2021J30219 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required per guidelines. 6/16/21: Lender provided the AUS findings report. 6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $333,176.23 or 58.87 mos PITI exceed guidelines

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds guidelines 700 by 100 points
XXXXXX OBX2021J30219 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated CDA to support the appraised value. 6/16/21: Lender provided the CDA that supports the appraised value. 6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves $333,176.23 or 58.87 mos PITI exceed guidelines

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 808 exceeds guidelines 700 by 100 points
XXXXXX OBX2021J30430 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing the final executed Settlement Statement from sale of REO on XXX. 7/9/21: Lender provided the final executed Settlement Statement from sale of REO on XXX. 7/9/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 10 years experience in current profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.68% is below maximum of 43.0%.
XXXXXX OBX2021J30430 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Assets Satisfied C A C A CRDAST205 Insufficient Funds to Close No Verified assets XXX investment $85,695.86.  Total required to close $314,474.98 + EMD $35,000 (funds not verified as cleared account) for total of $349,474.98.  Verified funds to close short $295,009.40.  7/9/21: Lender provided the HUD from sale of REO with net proceeds $XXX and verified EMD cleared account $35,000.  Sufficient funds verified to close and for reserves of $89,235.99. 7/9/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 10 years experience in current profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.68% is below maximum of 43.0%.
XXXXXX OBX2021J30430 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Assets Satisfied C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Verified assets XXX investment $85,695.86.  Total required to close $314,474.98 + EMD $35,000 (funds not verified as cleared account) for total of $349,474.98.  Verified funds to close short $295,009.40.  Required reserves $3,107.54 x 6 = $18,645.24.  7/9/21: Lender provided the HUD from sale of REO with net proceeds $XXX and verified EMD cleared account $35,000.  Sufficient funds verified to close and for reserves of $89,235.99. 7/9/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 10 years experience in current profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.68% is below maximum of 43.0%.
XXXXXX OBX2021J30430 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX (purchase price) does not match audit field Appraised Value $XXX 7/9/21: Lender provided the HMDA data previously in file with value $XXX.8/6/21: This exception was not addressed.8/12/21: Lender provided the HMDA data confirming value $XXX. 7/9/21: Exception remains.8/6/21: Exception remains.8/12/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 10 years experience in current profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.68% is below maximum of 43.0%.
XXXXXX OBX2021J30430 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Income/Employment Satisfied C A C A CRDINC150 Income docs do not meet guidelines No Provide verification from employer that B1 and B2 will continue to be employed and at same salary while living in XXX. 7/9/21: Lender provided the VOE's, paystubs and W2's previously in file.  Still missing verification for employer that B1 and B2 will continue to be employed and at same salary while living in XXX07.26.21: Lender provided WVOE for XXX; additional documentation still missing.8/2/21: Lender provided VOE's for each borrower, still missing verification for employer that B1 and B2 will continue to be employed and at same salary while living in XXX.8/6/21: Lender provided VOE documentation to support current income earnings from employers, no changed in move to WA. 7/9/21: Exception remains.7/28/21: Exception remains.8/2/21: Exception remains.8/6/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 10 years experience in current profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.68% is below maximum of 43.0%.
XXXXXX OBX2021J30430 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Legal Documents Satisfied D A D A CRDLGL2550 Missing HUD-1 from sale of property No Missing the final executed Settlement Statement from sale of REO on XXX to confirm payoff of lien with XXX and net proceeds to borrower. 7/9/21: Lender provided the final executed Settlement Statement from sale of REO on XXX. 7/9/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 10 years experience in current profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.68% is below maximum of 43.0%.
XXXXXX OBX2021J30430 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required per guidelines. 7/9/21: Lender provided the AUS findings report. 7/9/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 10 years experience in current profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.68% is below maximum of 43.0%.
XXXXXX OBX2021J30430 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated CDA to support the appraised value. 7/9/21: Lender provided the CDA that supports the appraised value. 7/9/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 10 years experience in current profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 18.68% is below maximum of 43.0%.
XXXXXX OBX2021J30331 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of Taxes and Insurance for REO on XXX. 7/9/21: Lender provided verification of taxes for REO on XXX.  Still missing verification of insurance for this property. 7/16/21: Lender provided a property profile report and taxes for REO on XXX and insurance on subject property.  Still missing verification of insurance for REO on XXX. 7/28.21: Lender provided property tax bill for 2020 for REO on XXX. Missing HOI.8/10/21: Lender provided the property detail report; REO on  XXX is agricultural land therefore no HOI required. 7/9/21: Exception remains. 7/16/21: Exception remains. 07/28/21: Exception remains.8/10/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.29% with a max DTI of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 50.86% with a max LTV of 70%.
XXXXXX OBX2021J30331 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of Taxes and Insurance for REO on XXX. 7/9/21: Lender provided verification of taxes for REO on XXX.  Still missing verification of insurance for this property. 7/16/21: Lender provided a property profile report and taxes for REO on XXX and insurance on subject property.  Still missing verification of insurance for REO on XXX. 7/28.21: Lender provided property tax bill for 2020 for REO on XXX. Missing HOI. 8/10/21: Lender provided the property detail report; REO on XXX is agricultural land therefore no HOI required. 7/9/21: Exception remains. 7/16/21: Exception remains. 7/28/21: Exception remains. 8/10/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.29% with a max DTI of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 50.86% with a max LTV of 70%.
XXXXXX OBX2021J30331 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field of $XXX does not match audit field Appraised Value of $XXX.  8/10/21: HMDA Tape provided.  8/10/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.29% with a max DTI of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 50.86% with a max LTV of 70%.
XXXXXX OBX2021J30331 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR175 Missing Review Appraisal required per guidelines No Per guidelines for cashout refinance with loan amount > $XXX  two full appraisals required.  Missing the second full appraisal. 7/9/21: Lender provided a second appraisal dated XXX; the same appraiser who completed the first appraisal XXX.  Per guidelines "the appraiser completing the second appraisal may not be involved in the preparation of the original appraisal."  ** Provide the second full appraisal to meet guideline requirement, a CDA will be required for the lowest appraised value provided. 7/16/21: Lender provided the second full appraisal dated XXX, supports original value. 7/9/21: Exception remains.7/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.29% with a max DTI of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 50.86% with a max LTV of 70%.
XXXXXX OBX2021J30450 XXXXXX WA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 8/16/21: Lender provided the signed authorization to close HELOC with XXX  8/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 760 with a minimum credit score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 57.14% with a max LTV of 70%.
XXXXXX OBX2021J30450 XXXXXX WA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit Application Satisfied D A D A CRDAPP130 Application is incomplete No Missing Final executed Application from file.  8/16/21: Lender provided the final signed loan application. 8/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 760 with a minimum credit score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 57.14% with a max LTV of 70%.
XXXXXX OBX2021J30450 XXXXXX WA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 8/16/21: Lender provided the signed authorization to close HELOC with XXX.  8/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 760 with a minimum credit score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 57.14% with a max LTV of 70%.
XXXXXX OBX2021J30461 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required per guidelines. 7/23/21: Lender provided the AUS findings report. 7/23/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in line of work for 15 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers qualifying FICO of 754 exceeds guidelines minimum FICO of 700 by 54 Points.
XXXXXX OBX2021J30461 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR175 Missing Review Appraisal required per guidelines No Cash out refinance with loan amount greater than $XXX requires two full appraisals.   Appraised value in file $XXX with matching CDA.  1008 stated AV $XXX.  Missing the second full appraisal with CDA reflecting review of second appraisal. 7/23/21: Lender provided the second full appraisal with value $XXX and accompanying CDA supporting that appraisal and value. 7/23/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in line of work for 15 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers qualifying FICO of 754 exceeds guidelines minimum FICO of 700 by 54 Points.
XXXXXX OBX2021J30044 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing the signed 2018 1040 tax returns with Schedule E. 2/25/21: Lender provided the signed 2019 1040 returns, two years W2's and paystubs previously provided in file.  Still missing the signed 2018 1040 tax returns with Schedule E.3/9/21: Lender provided the signed 2018 1040 tax returns with Schedule E.   2/25/21: Exception remains.3/9/21: Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 810 with a minimum credit score of 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 12 years.
XXXXXX OBX2021J30044 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No 1. Missing the signed 2018 1040 tax returns with Schedule E. 2. Missing the 2019 & 2018 1040 tax transcripts. 2/25/21: Lender provided the signed 2019 1040 returns, two years W2's and paystubs previously provided in file.  Still missing the signed 2018 1040 tax returns with Schedule E and the 2019 & 2018 1040 tax transcripts. 3/9/21: Lender provided the signed 2018 1040 tax returns with Schedule E.  Still missing the 2019 & 2018 1040 tax transcripts.3/23/21: Lender provided the 2018 1040 tax transcripts.  Still missing the 2019 1040 tax transcripts.5/7/21: Lender provided the 2019/2018 1040 tax returns previously provided. Still missing the 2019 1040 IRS tax transcripts.6/1/21: Lender provided the 2019 1040 IRS tax transcripts.  2/25/21: Exception remains.3/9/21: Exception remains.3/23/21: Exception remains.5/7/21: Exception remains.6/1/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 810 with a minimum credit score of 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 12 years.
XXXXXX OBX2021J30044 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing required AUS from file as required per guidelines.  3/2/21: Lender provided the AUS DU A/I to match loan terms. 3/2/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 810 with a minimum credit score of 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 12 years.
XXXXXX OBX2021J30293 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5293 TRID  Not all required seller-paid fees were disclosed on the CD No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 809, guideline requirement is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has  DTI of 37%. Guideline requirement is 43%.
XXXXXX OBX2021J30293 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Missing the last two years IRS W2 Wage transcripts. 6/9/21: Lender provided the 2019 & 2018 W2 wage transcripts. 6/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 809, guideline requirement is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has  DTI of 37%. Guideline requirement is 43%.
XXXXXX OBX2021J30293 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS findings report as required per guidelines. 6/9/21: Lender provided the AUS findings report. 6/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 809, guideline requirement is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has  DTI of 37%. Guideline requirement is 43%.
XXXXXX OBX2021J30293 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated CDA to support the appraised value. 6/9/21: Lender provided the CDA that supports the appraised value. 6/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 809, guideline requirement is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has  DTI of 37%. Guideline requirement is 43%.
XXXXXX OBX2021J30347 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance Documentation Satisfied D A D A CMPDOC225 Missing Rider No Mortgage is missing PUD Rider and Trust Rider and Legal Description Rider. 07.02.21 - Lender responded. Provided PUD and Trust riders. 07.02.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 803 which exceeds guideline minimum.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history 0x30 since 11/2011.
XXXXXX OBX2021J30347 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance RESPA Waived B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file. 06.18.2021 -Client agreed to waive non-material compliance exceptions.  06.18.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 803 which exceeds guideline minimum.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history 0x30 since 11/2011.
XXXXXX OBX2021J30347 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing. 6.18.2021-Client agreed to waive non-material compliance exceptions.  6.18.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 803 which exceeds guideline minimum.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history 0x30 since 11/2011.
XXXXXX OBX2021J30347 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance Right of Rescission  Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Consummation Date is XXX. ROR Rescission Date is XXX. Final CD Disbursement Date is XXX. Disbursement date is before end of statutory rescission period. 6.10.2021 with Disbursement date of XXX. However missing, Final ALTA confirming Disbursement was in fact after XXX.7.6.2021 - Client provided PCCD   7.6.2021 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 803 which exceeds guideline minimum.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history 0x30 since 11/2011.
XXXXXX OBX2021J30347 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Only CD provided in File is Final CD Signed at Consummation. Disclosure Tracking Summary shows Initial CD sent and received XXX, however, Initial CD is not provided in file. Please provide Initial CD. 7.6.2021 - Client provided initial CD  7.6.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 803 which exceeds guideline minimum.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history 0x30 since 11/2011.
XXXXXX OBX2021J30347 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Legal Documents Satisfied D A D A CRDLGL2996 Missing Trust Documents No Missing Trust Documents for 'the XXXX" dated XXX 07.02.21 - Lender responded. Provided executed Trust documents. 07.02.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 803 which exceeds guideline minimum.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history 0x30 since 11/2011.
XXXXXX OBX2021J30381 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data) (No Data) (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 29.37%. Guideline maximum requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 791. Guideline requirement is 630.
XXXXXX OBX2021J30381 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX (purchase price) does not match audit field Appraised Value $XXX. 6/28/21: Lender provided the HMDA tape data confirming property value. 6/28/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 29.37%. Guideline maximum requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 791. Guideline requirement is 630.
XXXXXX OBX2021J30137 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing the lenders QM Safe Harbor status determination. 6/8/21: Lender provided the lenders QM Safe Harbor status determination. 6/8/21: Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrower has 0 x 30 for 26 months, 24 months required.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 785 exceeds guidelines

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 13 years 7 months

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 15 years
XXXXXX OBX2021J30488 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS findings report as required per guidelines.  8/13/21: Lender provided the AUS findings report. 8/13/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 799 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guidelines at 22.86% with a max DTI of 43%.
XXXXXX OBX2021J30127 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 31 years in the profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has lived at the residence for 27 years.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of19%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 776. guideline requirement is 680.
XXXXXX OBX2021J30489 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance Federal Consumer Protection Waived B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Per NMLS Website, XXX are the same person. 8/3/21: Client agreed to waive non-material compliance exceptions. 8/3/21: Exception waived. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts per credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has twenty years in current profession.
XXXXXX OBX2021J30324 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Per Disclosure Tracking Summary missing Initial CD dated and received XXX 6.28.2021 - Client provided Initial CD received XXX. 6.28.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 764 with a minimum credit score of 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 14 years.
XXXXXX OBX2021J30324 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Credit Title Satisfied D A D A CRDTIL865 Title incomplete No Missing complete Title Commitment with all pages included. 7.28.21 - Title commitment provided 7.28.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 764 with a minimum credit score of 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 14 years.
XXXXXX OBX2021J30145 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. Exception satisfied. Final Grade A.  (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 794. guideline requirement is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 7 years in the profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has enough cash reserves to cover 21 months PITI. Guideline requirement is 6 months.
XXXXXX OBX2021J30145 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No The current value is supported by the appraisal document on file. 6/3/21:  Lender provided the HMDA data listing property value $XXX that does not match the Appraised value $XXX.6/8/21: Lender provided the HMDA confirming appraised value. 6/3/21: Exception remains.6/8/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 794. guideline requirement is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 7 years in the profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has enough cash reserves to cover 21 months PITI. Guideline requirement is 6 months.
XXXXXX OBX2021J30145 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS 6/3/21: Lender provided the ASUS DU A/I. 6/3/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 794. guideline requirement is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 7 years in the profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has enough cash reserves to cover 21 months PITI. Guideline requirement is 6 months.
XXXXXX OBX2021J30145 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A D A A A D A D A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing CDA to support original appraisal value. 6/8/21: Lender provided the CDA that supports the appraised value. 6/8/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 794. guideline requirement is 680.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 7 years in the profession.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Borrower has enough cash reserves to cover 21 months PITI. Guideline requirement is 6 months.
XXXXXX OBX2021J30287 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C B C A A A C B C B C A A A C B Compliance RESPA Waived B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file  07.01.2021 - Client agreed to waive non-material compliance exceptions.  07.01.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 756 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 30.85% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 58.53% with the max LTV of 80%.
XXXXXX OBX2021J30287 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C B C A A A C B C B C A A A C B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliates used in transaction, missing Affiliate Business Disclosure 07.01.2021 - Client agreed to waive non-material compliance exceptions.  07.01.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 756 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 30.85% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 58.53% with the max LTV of 80%.
XXXXXX OBX2021J30287 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C B C A A A C B C B C A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Per Disclosure Tracking Summary missing Initial CD issued XXX 7.9.2021 - Client provided initial CD XXX 7.9.2021 -  Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 756 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 30.85% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 58.53% with the max LTV of 80%.
XXXXXX OBX2021J30287 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C B C A A A C B C B C A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No $450 refund due to increase in appraisal fee at or prior to closing without a valid reason. Missing COC for increase in appraisal fee or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. 7.9.2021 - Client provided missing CIC for increase in Appraisal fee  7.9.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 756 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 30.85% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 58.53% with the max LTV of 80%.
XXXXXX OBX2021J30287 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C B C A A A C B C B C A A A C B Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing the lenders QM Safe Harbor status designation. 7/12/21: Lender provided the QM Safe Harbor status designation. 7/12/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 756 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 30.85% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 58.53% with the max LTV of 80%.
XXXXXX OBX2021J30287 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C B C A A A C B C B C A A A C B Credit Income/Employment Satisfied C A C A CRDINC150 Income docs do not meet guidelines No 1. Missing the signatures for the 2019 & 2018 1040 tax returns.2. Missing the signed 4506T. 7/12/21: Lender provided the signed complete 2020 & 2019 1040 tax returns.  Still missing the signed 4506T.7/14/21: Lender provided the signed 4506T. 7/12/21: Exception remains for item #2.7/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 756 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 30.85% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 58.53% with the max LTV of 80%.
XXXXXX OBX2021J30379 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $276,601.01, with liquid assets of $XXX. Cash required to close $232,357.58. Post close reserves are $44,312.43. Reserves required $4978.73 x 6 = $29,872.38.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is 70 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 73.89% is 6.11 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 27.52% is 15.48 points below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30379 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX (purchase price) does not match audit field Appraised Value $XXX. 7.13.2021 - Client provided updated tape 7.13.2021 - Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $276,601.01, with liquid assets of $XXX. Cash required to close $232,357.58. Post close reserves are $44,312.43. Reserves required $4978.73 x 6 = $29,872.38.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is 70 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 73.89% is 6.11 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 27.52% is 15.48 points below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30379 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit HMDA Satisfied N/A A N/A A CRDHMDA5203 City tape field does not match audit field City No Per Note city is XXX 7.13.2021 - Client provided update tape data 7.13.2021 - Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $276,601.01, with liquid assets of $XXX. Cash required to close $232,357.58. Post close reserves are $44,312.43. Reserves required $4978.73 x 6 = $29,872.38.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is 70 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 73.89% is 6.11 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 27.52% is 15.48 points below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30205 XXXXXX UT QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5207 Total Loan Costs tape field does not match audit field Total Loan Costs No Total Loan Costs tape field $XXX does not match audit field Total Loan Costs $XXX. 5/26/21: Lender provided the HMDA tape data confirming loan costs $XXX. 5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI is 32.05%. Maximum guideline required is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score is 776. Minimum guideline required is 700
XXXXXX OBX2021J30136 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of PIT for REO land on XXX of $12,213 monthly payment. 6/3/21: Lender provided the Note and CD confirming maximum payment of $8,853, tax rate for $1,692.08 monthly.  Subject is not built and no insurance required, per LOE no HOA.  Lender used total estimated cost of $12,213. 6/3/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  782 credit score exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  17.72% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  66.75% LTV is below guideline maximum of 70%.
XXXXXX OBX2021J30136 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lenders QM Safe Harbor status designation. 6/3/21: Lender provided the 1008 stating "loan meets QM and ATR is established".  Still missing the lenders QM "Safe Harbor" status designation.7/14/21: Lender provided the QM Safe Harbor status designation. 6/3/21: Exception remains.7/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  782 credit score exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  17.72% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  66.75% LTV is below guideline maximum of 70%.
XXXXXX OBX2021J30136 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of PIT for REO land on XXX of $12,213 monthly payment. 6/3/21: Lender provided the Note and CD confirming maximum payment of $8,853, tax rate for $1,692.08 monthly.  Subject is not built and no insurance required, per LOE no HOA.  Lender used total estimated cost of $12,213. 6/3/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  782 credit score exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  17.72% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  66.75% LTV is below guideline maximum of 70%.
XXXXXX OBX2021J30279 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Per Final CD Affiliates were used and the Affiliate Business Disclosure was not provided. 6.2.2021 - Client agreed to waive non-material compliance exceptions.  6.2.2021 - Exception waived (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for 6 Years and 3 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Credit score of 794 exceeds guideline requirements of 700 by 94 points.
XXXXXX OBX2021J30279 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No  Property Value tape field $XXX does not match audit field Appraised Value $XXX. 6/16/21: Lender provided the HMDA date confirming property value. 6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for 6 Years and 3 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Credit score of 794 exceeds guideline requirements of 700 by 94 points.
XXXXXX OBX2021J30279 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Missing the last two years W2 IRS wage transcripts as required per guidelines.. 6/16/21: Lender provided the last two years W2 IRS wage transcripts.  6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for 6 Years and 3 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Credit score of 794 exceeds guideline requirements of 700 by 94 points.
XXXXXX OBX2021J30279 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS findings report as required per guidelines. 6/16/21: Lender provided the AUS findings report. 6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for 6 Years and 3 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Credit score of 794 exceeds guideline requirements of 700 by 94 points.
XXXXXX OBX2021J30304 XXXXXX GA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field of XXX (purchase price) does not match audit field Appraised Value of $XXX 7/14/21: Lender provided the HDMA tape data confirming property value $XXX. 7/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 783 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 36.55% with a max DTI of 43%.
XXXXXX OBX2021J30304 XXXXXX GA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report. 7/14/21: Lender provided the AUS findings report. 7/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 783 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 36.55% with a max DTI of 43%.
XXXXXX OBX2021J30332 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX(purchase price) does not match audit field Appraised Value $1XXX. 6/23/21: Lender provided the HMDA tape data confirming property value. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $476,490.91, with liquid assets of $XXX. Cash required to close $294,976.65. Post close reserves are $181,514.26. Reserves required $4588.60 x 6 = $27,531.60.Excess Post-closing reserves of $153,982.66.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 807 is 107 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  75% is  5  below the maximum of  80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 22.10% < below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30332 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Missing IRS wage transcripts as Guidelines require all income be validated.Lender provided 2020, 2019 and 2018 w-2s for both borrowers; Provide IRS wage transcripts to validate income.  6/23/21: Lender provided the 2019 and 2018 wage transcripts for both borrowers and the 2020 transcript of no return on record. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $476,490.91, with liquid assets of $XXX. Cash required to close $294,976.65. Post close reserves are $181,514.26. Reserves required $4588.60 x 6 = $27,531.60.Excess Post-closing reserves of $153,982.66.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 807 is 107 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  75% is  5  below the maximum of  80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 22.10% < below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30332 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS findings.   6/23/21: Lender provided the AUS findings report. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $476,490.91, with liquid assets of $XXX. Cash required to close $294,976.65. Post close reserves are $181,514.26. Reserves required $4588.60 x 6 = $27,531.60.Excess Post-closing reserves of $153,982.66.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 807 is 107 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  75% is  5  below the maximum of  80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 22.10% < below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30332 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing CDA to support original appraisal value. 6/23/21: Lender provided the CDA that supports the appraised value. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $476,490.91, with liquid assets of $XXX. Cash required to close $294,976.65. Post close reserves are $181,514.26. Reserves required $4588.60 x 6 = $27,531.60.Excess Post-closing reserves of $153,982.66.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 807 is 107 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  75% is  5  below the maximum of  80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 22.10% < below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30467 XXXXXX GA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A D A C B D B D A D A C B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing  07.29.2021 - Clayton determined compliance exception to be non-material and the client agreed to waive. 07.29.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 798 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.30% with a max DTI of 43%.
XXXXXX OBX2021J30467 XXXXXX GA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A D A C B D B D A D A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing Initial CD issued XXX per Disclosure Tracking Summary 8.9.2021 - Client provided Initial CD XXX 8.9.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 798 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.30% with a max DTI of 43%.
XXXXXX OBX2021J30467 XXXXXX GA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A D A C B D B D A D A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID5095 TRID - Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures No Final CD XXX Loan Costs section, Field A: $1050 Escrow Waiver fee not disclosed in the Loan Disclosure section. 8.11.2021 - Client provided PCCD, LOX with $1050 Escrow Waiver fee disclosed properly. 8.11.2021 - Exception satisfied Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 798 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.30% with a max DTI of 43%.
XXXXXX OBX2021J30467 XXXXXX GA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A D A C B D B D A D A C B Credit Insurance Satisfied C A C A CRDINSR5351 Insurance Effective date is greater than the transaction date No Insurance effective date of XXX is greater than the transaction date of XXX. Per Final CD, disbursement date is XXX. 8/9/21: Lender provided the HOI effective date XXX. 8/9/21: Exception satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 798 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.30% with a max DTI of 43%.
XXXXXX OBX2021J30467 XXXXXX GA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A D A C B D B D A D A C B Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing 1008 required for file.  8/9/21: Lender provided the 1008. 8/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 798 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.30% with a max DTI of 43%.
XXXXXX OBX2021J30467 XXXXXX GA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A D A C B D B D A D A C B Credit Title Satisfied D A D A CRDTIL796 Missing Title No Missing Title from file.  8/9/21: Lender provided the complete title commitment. 8/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 798 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.30% with a max DTI of 43%.
XXXXXX OBX2021J30467 XXXXXX GA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A D A C B D B D A D A C B Property Valuations Appraisal Satisfied D A D A PRVAAPPR101 Appraisal incomplete (missing map, layout, pages, etc) No Appraisal pages cut off at top.  Provide a full complete appraisal document. 8/9/21: Lender provided the full complete appraisal. 8/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 798 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.30% with a max DTI of 43%.
XXXXXX OBX2021J30428 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Title Satisfied D A D A CRDTIL796 Missing Title No Missing required Title from file.  7/7/21: Lender provided the preliminary title. 7/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 775 with a minimum credit score of 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history exceeds guidelines with 0 x 30  for the last 36 months.
XXXXXX OBX2021J30509 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 788. Maximum guideline requirement is 680.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 38.43. Maximum guideline requirement is 43%.
XXXXXX OBX2021J30455 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 797. Guideline requirement is 680.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  ASSETS: Borrower has XXX verified cash reserves: 61 months of PITI cash reserves.
XXXXXX OBX2021J30498 XXXXXX AZ QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No  Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 761 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 19.93% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 30.612% with a max LTV of 80%.
XXXXXX OBX2021J30498 XXXXXX AZ QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No  Seller paid RE Commission fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 761 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 19.93% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 30.612% with a max LTV of 80%.
XXXXXX OBX2021J30482 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No  Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 9 years and 9 months.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  29.25% DTI is below guideline maximum of 43%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrower has been with current employer for 7 years.
XXXXXX OBX2021J30495 XXXXXX OR QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No  Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 794 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 19.68% with a max DTI of 43%.
XXXXXX OBX2021J30495 XXXXXX OR QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No  Seller paid RE Commission fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 794 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 19.68% with a max DTI of 43%.
XXXXXX OBX2021J30529 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No  Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.43% DTI is below guideline maximum of 43%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrow has been with current employer for 5 years and 4 months.
XXXXXX OBX2021J30529 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No  Seller RE Commission paid fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  802 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.43% DTI is below guideline maximum of 43%.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-borrow has been with current employer for 5 years and 4 months.
XXXXXX OBX2021J30427 XXXXXX MA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 789 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 27.513% with a max DTI of 43%.
XXXXXX OBX2021J30264 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A C A D A A A D A C A D A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX does not match audit field Appraised Value $XXX. 06.03.21 - Lender provided HMDA data sheet with property value $XXX.6/8/21: Lender provided the HMDA data with value matching the appraised value. 06.03.21 - Exception remains.6/8/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.79% < guideline max

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 54.64% < guideline max
XXXXXX OBX2021J30264 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A C A D A A A D A C A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated valuation to support original appraisal value. 06.03.21 - Lender provided CDA supporting original appraised value. 06.03.21 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 25.79% < guideline max

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV 54.64% < guideline max
XXXXXX OBX2021J30038 XXXXXX UT QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance Compliance Manual Satisfied D A D A CMPMAN2956 Missing disclosure No Disclosure tracking shows borrower issued and received CD dated XXX.  This CD is missing from file provided. 6.22.2021 - Client provided Initial CD XXX. 6.22.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  726 credit score.  Minimum required is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 37.19% below maximum allowed of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 31.26% below maximum allowed of 80%
XXXXXX OBX2021J30038 XXXXXX UT QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No CD XXX.  Loan closed prior to end of waiting period; 3 day waiting period not met.  File is missing initial CD. 6.22.2021 - Client provided Initial CD XXX. 6.22.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  726 credit score.  Minimum required is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 37.19% below maximum allowed of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 31.26% below maximum allowed of 80%
XXXXXX OBX2021J30446 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance State Consumer Protection Satisfied D A D A CMPSTCP2057 Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file No Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file  07.27.21 - Lender provided IL Cert of Compliance 07.29.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  735 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.68% DTI is below guideline maximum of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  95.0 months reserves exceed guideline minimum of 9 months.
XXXXXX OBX2021J30446 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Per Disclosure Tracking Summary missing Initial CD issued XXX 7.19.2021 - Client provided Initial CD 7.19.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  735 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.68% DTI is below guideline maximum of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  95.0 months reserves exceed guideline minimum of 9 months.
XXXXXX OBX2021J30446 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Credit HMDA Satisfied A A A A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No HMDA tape data confirms value. 8/2/21: Lender provided the HMDA tape data value confirmed. 8/2/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  735 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.68% DTI is below guideline maximum of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  95.0 months reserves exceed guideline minimum of 9 months.
XXXXXX OBX2021J30446 XXXXXX IL QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Credit HMDA Satisfied N/A A N/A A CRDHMDA5207 Total Loan Costs tape field does not match audit field Total Loan Costs No 2 Cd's provided on same day XXX . CD timestamped XXX.  8.18.2021 - Client provided updated HMDA tape 8.18.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  735 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  35.68% DTI is below guideline maximum of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  95.0 months reserves exceed guideline minimum of 9 months.
XXXXXX OBX2021J30095 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 4/26/21: Lender provided Open Lien Report from XXX 4/6/21 confirming only lien on subject is XXX 4/26/221: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 762 exceeds guidelines

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history of 370 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 32yrs in profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in current residence for 12yrs
XXXXXX OBX2021J30095 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Only CD provided in file is Final CD XXX Signed at Consummation XXX. Disclosure Tracking Summary shows Initial CD was provided on XXX. Please provide Initial CD. 4.21.2021 Client provided initial CD XXX 4.21.2021 Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 762 exceeds guidelines

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history of 370 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 32yrs in profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in current residence for 12yrs
XXXXXX OBX2021J30095 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lenders status determination of Safe Harbor. 5/3/21: Lender provided the 1008 stating Loan is QM with ATR established.  Missing lenders "Safe Harbor" status designation05.219.21: Lender responded. Provided 1008 with same designation "QM with ATR established.6/7/21: Lender provided the 1008 confirming lenders status determination of Safe Harbor. 5/3/21: Exception remains.05.21.21: Exception remains.6/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 762 exceeds guidelines

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history of 370 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 32yrs in profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in current residence for 12yrs
XXXXXX OBX2021J30095 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX does not match audit field Appraised Value $XXX.  4/21/21: Lender provided the HMDA tape data confirming value. 4/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 762 exceeds guidelines

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history of 370 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 32yrs in profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in current residence for 12yrs
XXXXXX OBX2021J30095 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 4/26/21: Lender provided Open Lien Report from XXX 4/6/21 confirming only lien on subject is XXX has been paid and closed. 4/26/221: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 762 exceeds guidelines

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history of 370 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 32yrs in profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in current residence for 12yrs
XXXXXX OBX2021J30095 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR101 Appraisal incomplete (missing map, layout, pages, etc) No Appraisal not properly uploaded. Appraisal was cut off and illegible. 4/21/21: Lender provided the complete appraisal. 4/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrowers credit score 762 exceeds guidelines

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good credit history of 370 months.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 32yrs in profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been in current residence for 12yrs
XXXXXX OBX2021J30041 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing the complete 2019 & 2018 1040 tax returns. 2. Missing the complete 2019 & 2018 1120 business tax returns for XXX3. Missing the complete 2019 & 2018 1120S business tax returns for XXX with K1's. 4. Missing the complete 2019 & 2018 1065 business tax returns for XXX with K1's. 5. Missing the 2019 & 2018 W2's for each borrower. 5/3/21: Lender provided the complete 2019 & 2018 1040 tax returns, the complete 2019 & 2018 1120 business tax returns for XXX, the complete 2019 & 2018 1120S business tax returns for XXX with K1's, the complete 2019 & 2018 1065 business tax returns for XXX with K1's and the 2019 & 2018 W2's for each borrower. 5/3/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per Credit Report on record.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has over 5 years of employment (and XXX) with XXX
XXXXXX OBX2021J30041 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lenders QM Safe Harbor status determination. 5/3/21: Lender provided the 1008.  Still missing the lenders "Safe Harbor" status designation.5/17/21: Lender provided the 1008 stating loan is QM Safe Harbor. 5/3/21: Exception remains.5/17/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per Credit Report on record.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has over 5 years of employment (and XXX) with XXX
XXXXXX OBX2021J30041 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied C A C A CRDINC2488 Verbal verification of employment missing No Missing third-party verification for XXX If complete business tax returns for XXX confirms XXX third-party validation applies as well for respective entity. 5/3/21: Lender provided the third-party verification for XXX 5/3/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per Credit Report on record.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has over 5 years of employment (and XXX) with XXX
XXXXXX OBX2021J30041 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No 1. Missing the complete 2019 & 2018 1040 tax returns. 2. Missing the complete 2019 & 2018 1120 business tax returns for XXX3. Missing the complete 2019 & 2018 1120S business tax returns for XXX with K1's. 4. Missing the complete 2019 & 2018 1065 business tax returns for XXX with K1's. 5. Missing the 2019 & 2018 W2's for each borrower. 5/3/21: Lender provided the complete 2019 & 2018 1040 tax returns, the complete 2019 & 2018 1120 business tax returns for XXX, the complete 2019 & 2018 1120S business tax returns for XXX with K1's, the complete 2019 & 2018 1065 business tax returns for XXX with K1's and the 2019 & 2018 W2's for each borrower. 5/3/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per Credit Report on record.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has over 5 years of employment (and XXX) with XXX
XXXXXX OBX2021J30041 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing the copy of the Note and Credit Line Agreement from 2nd lien with XXX. 5/3/21: Lender provided the Note and Credit Line Agreement from 2nd lien with XXX. 5/3/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per Credit Report on record.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has over 5 years of employment (and XXX) with XXX
XXXXXX OBX2021J30041 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL140 Missing subordination agreement for existing junior lien No Missing the fully executed subordination agreement from XXX. 5/3/21: Lender provided the fully executed subordination agreement from XXX.  5/3/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per Credit Report on record.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has over 5 years of employment (and XXX) with XXX
XXXXXX OBX2021J30041 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS as required per guidelines. 5/3/21: Lender provided the AUS. 5/3/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per Credit Report on record.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has over 5 years of employment (and XXX) with XXX
XXXXXX OBX2021J30164 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed as an XXX for 6 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower's FICO score of  810 exceeds minimum FICO score of 700 by 110 points.
XXXXXX OBX2021J30052 XXXXXX UT QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Compliance Right of Rescission  Waived B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. 6/15/21: Client agreed to waive non-material compliance exceptions. 6/15/21: Exception waived. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current position for 5 Years and 9 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 787 exceeds guidelines of 700 by 87 Points.
XXXXXX OBX2021J30052 XXXXXX UT QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS 6/15/21: Lender provided the AUS findings report. 6/15/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current position for 5 Years and 9 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 787 exceeds guidelines of 700 by 87 Points.
XXXXXX OBX2021J30348 XXXXXX UT QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure missing  06.15.2021 - Client agreed to waive non-material compliance exceptions.  6.15.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 781 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 21.79% with a max DTI of 43%.
XXXXXX OBX2021J30348 XXXXXX UT QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Per Disclosure Tracking Summary missing Initial CD XXX 6.23.2021 - Client provided Initial CD XXX 6.23.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 781 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 21.79% with a max DTI of 43%.
XXXXXX OBX2021J30348 XXXXXX UT QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Credit Application Satisfied D A D A CRDAPP4625  The orig file does not contain a third party fraud report No Missing required Third Party Fraud Report for each borrower. 6/23/21: Lender provided the third party fraud report for each borrower. 6/23/21: Exception satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 781 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 21.79% with a max DTI of 43%.
XXXXXX OBX2021J30348 XXXXXX UT QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Hazard Insurance Coverage No Subject's loan amount is $XXX and Insurance coverage is for $XXX.  Provide the Replacement Cost Estimate. 6/23/21: Lender provided the HOI policy previously in file, verified coverage is $XXX.  Provide the Replacement Cost Estimate.07.02.21 - Lender provided sufficient replacement cost coverage insurance statement. 6/23/21: Exception remains.07.07.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 781 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 21.79% with a max DTI of 43%.
XXXXXX OBX2021J30150 XXXXXX UT QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5207 Total Loan Costs tape field does not match audit field Total Loan Costs No Clayton calculating current value XXX 5/26/21: Lender provided corrected HMDA data confirming loan costs. 5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job 12 years

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession 18 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence 13 years

CFCFS2860: Good credit history
- Clayton Comments:  89 months 0 x 30 mortgage history verified, 24 months required.
XXXXXX OBX2021J30255 XXXXXX UT QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Missing 2020, 2019 and 2018 Wage transcripts to validate income per guidelines.  07.28.21 - Lender provided 2018, 2019 & 2020 W2s and Verbal verification of employment 07.28.21 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX. Cash required to close $0. Cash back $1010.53. Post close reserves are $66,061.07. Reserves required $4171.89 x 6 = $25,031.34. Excess Post-closing reserves of $41,029.73.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $3627.87; Subject PI is $3146.40. Monthly savings of $481.47.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 749 is 49 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  44.48% is 35.52 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 22.31% is 20.69 points below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30433 XXXXXX UT QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No  Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 800 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 29.56% with a max DTI of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 15.3 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 15.7 years.
XXXXXX OBX2021J30433 XXXXXX UT QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field of $XXX (purchase price) does not match audit field Appraised Value of $XXX.  8/5/21: Lender provided the HMDA tape data confirming value $XXX. 8/5/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 800 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 29.56% with a max DTI of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 15.3 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 15.7 years.
XXXXXX OBX2021J30433 XXXXXX UT QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Credit Legal Documents Satisfied D A D A CRDLGL2550 Missing HUD-1 from sale of property No Provide a copy of the final settlement statement from sale of REO on XXX to source the deposit to XXX. 8/5/21: Lender provided the HUD from purchase of subject property.  Still missing the signed copy of the final settlement statement from sale of Departure Residence on XXX to source the deposit to XXX8/10/21: Lender provided the signed HUD from sale of REO on XXX confirming net proceeds $XXX 8/5/21: Exception remains.8/10/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 800 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 29.56% with a max DTI of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 15.3 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 15.7 years.
XXXXXX OBX2021J30433 XXXXXX UT QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing CDA to support the original Appraised value. 8/5/21: Lender provided the CDA that supports the appraised value. 8/5/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 800 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 29.56% with a max DTI of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 15.3 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 15.7 years.
XXXXXX OBX2021J30321 XXXXXX MN QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Compliance Federal Consumer Protection Waived B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Verified XXX are the same person per NMLS. 6/18/21: Client agreed to waive non-material compliance exceptions. 6/18/21: Exception waived. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The client has no derogatory credit per report on record.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per WVOE, client start date is 10/16/2006.
XXXXXX OBX2021J30321 XXXXXX MN QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required per guidelines. 6/23/21: Lender provided the AUS findings report. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  The client has no derogatory credit per report on record.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per WVOE, client start date is 10/16/2006.
XXXXXX OBX2021J30454 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A C A A A D A D A C A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Per TRID 2.0 Seller CD is required on Purchase to validate any potential fees paid by seller are not borrower related. 7.30.2021 - Client provided Seller CD 7.30.2021 - Exception satisfied Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has ten years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on credit report.
XXXXXX OBX2021J30454 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A C A A A D A D A C A A A D A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing document from lender stating ATR / QM Safe Harbor. 8/2/21: Lender provided the QM Safe Harbor status determination. 8/2/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has ten years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on credit report.
XXXXXX OBX2021J30454 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A C A A A D A D A C A A A D A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No HMDA Tape on file confirms property value and appraised value are the same ($XXX). 8/2/21: Lender provided the HMDA tape data confirming value $XXX. 8/2/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Co-Borrower has ten years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on credit report.
XXXXXX OBX2021J30418 XXXXXX GA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field of $XXX does not match audit field Appraised value of $XXX.  8/4/21: Lender provided the HMDA tape data that confirms value $XXX. 8/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 796 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 26.71% with a max DTI of 43%.
XXXXXX OBX2021J30230 XXXXXX MN QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing. 06.04.2021 - Client agreed to waive non-material compliance exceptions.  06.04.2021 - Exception waived (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of 38%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 811. Guideline requirement is 700.
XXXXXX OBX2021J30230 XXXXXX MN QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Only CD provided in file is Final CD XXX Signed at Consummation XXX. Disclosure Tracking Summary shows Initial CD sent and Received on XXX, however, no Initial CD provided in file. Please provide Initial CD. 6.11.2021 - Client provided COC and missing CD 6.11.2021 - Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of 38%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 811. Guideline requirement is 700.
XXXXXX OBX2021J30230 XXXXXX MN QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No $40.18 refund due to increase in loan points at closing, Missing CIC for increase in loan points or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. 6.11.2021 - Client provided COC and missing CD 6.11.2021 - Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of 38%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 811. Guideline requirement is 700.
XXXXXX OBX2021J30230 XXXXXX MN QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No No Service Provider List in file for accurate Fee Allocation. Please provide Service Provider List and any applicable COC(s) for Tolerance Testing. 6.11.2021 - Client provided COC and missing CD 6.11.2021 - Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of 38%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 811. Guideline requirement is 700.
XXXXXX OBX2021J30230 XXXXXX MN QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing the lenders QM Safe Harbor status determination. 6/11/21: Lender provided the QM Safe Harbor status determination. 6/11/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of 38%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 811. Guideline requirement is 700.
XXXXXX OBX2021J30230 XXXXXX MN QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Credit Assets Satisfied D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Missing a copy of the EMD check or wire receipt for $7,000.00.   6/11/21: Lender provided copy of EMD $7,000 wire to title company. 6/11/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of 38%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 811. Guideline requirement is 700.
XXXXXX OBX2021J30230 XXXXXX MN QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX (purchase price) does not match audit field Appraised Value $XXX. 6/11/21: Lender provided HMDA data confirming value $XXX 6/11/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of 38%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 811. Guideline requirement is 700.
XXXXXX OBX2021J30230 XXXXXX MN QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Credit Insurance Satisfied D A D A CRDINSR848 Missing Hazard Insurance No Missing the Homeowners Insurance declaration page. 6/11/24: Lender provided the HOI policy and RCE. 6/11/24: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of 38%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 811. Guideline requirement is 700.
XXXXXX OBX2021J30230 XXXXXX MN QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Credit Title Satisfied D A D A CRDTIL796 Missing Title No Missing the Title Commitment. 6/11/24: Lender provided title. 6/11/24: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of 38%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 811. Guideline requirement is 700.
XXXXXX OBX2021J30516 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Compliance RESPA Waived B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No Missing list of at least 10 counselors  08.04.2021 -Clayton determined compliance exception to be non-material and the client agreed to waive. 08.04.2021 - Exception waived (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has seven years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts per credit report.
XXXXXX OBX2021J30516 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing Initial CD issued XXX per Disclosure Tracking Summary 8.11.2021 - Client provided Initial CD  8.11.2021 - Exception satisfied (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has seven years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts per credit report.
XXXXXX OBX2021J30516 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing document from lender stating ATR / QM Safe Harbor status. 8/11/21: Lender provided the QM Safe Harbor status determination. 8/11/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has seven years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts per credit report.
XXXXXX OBX2021J30516 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Missing HMDA Tape value in order to validate. 8/11/21: Lender provided the HMDA tape data confirming value. 8/11/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has seven years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts per credit report.
XXXXXX OBX2021J30516 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Missing tax transcripts for XXX as required per guidelines. 8/11/21: Lender provided the 2020-2018 1120S tax transcripts. 8/11/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has seven years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts per credit report.
XXXXXX OBX2021J30516 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Credit Terms/Guidelines Satisfied D A D A CRDTER146 Missing lender's loan approval/underwriting form No Missing Final 1008 Form. 8/11/21: Lender provided the 1008 Uniform Underwriting Transmittal Summary. 8/11/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has seven years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts per credit report.
XXXXXX OBX2021J30402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 6/24/21: Lender provided the payoff statement and HELOC authorization to close account, not signed by borrower.  Still missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be Signed by borrower.7/1/21: Lender provided the signed authorization to close the HELOC with XXX.   6/24/21: Exception remains.7/1/21: Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI 17.11%. Maximum requirement is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 773. Guideline requirement is 700.
XXXXXX OBX2021J30402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5200 Loan Purpose tape field does not match audit field Loan Purpose No Cash out Refi per HMDA Data sheet 6/28/21: Tape provided  6/28/21: Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI 17.11%. Maximum requirement is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 773. Guideline requirement is 700.
XXXXXX OBX2021J30402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5202 Street Address tape field does not match audit field Street Address No Address per note XXX 6/28/21: Tape provided  6/28/21: Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI 17.11%. Maximum requirement is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 773. Guideline requirement is 700.
XXXXXX OBX2021J30402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5203 City tape field does not match audit field City No City: XXX 6/28/21: Tape provided  6/28/21: Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI 17.11%. Maximum requirement is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 773. Guideline requirement is 700.
XXXXXX OBX2021J30402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5204 State tape field does not match audit field State No CA per Note 6/28/21: Tape provided  6/28/21: Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI 17.11%. Maximum requirement is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 773. Guideline requirement is 700.
XXXXXX OBX2021J30402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5205 Postal Code tape field does not match audit field Postal Code No Zip XXXX per note 6/28/21: Tape provided  6/28/21: Exception satisfied.  (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI 17.11%. Maximum requirement is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 773. Guideline requirement is 700.
XXXXXX OBX2021J30402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5207 Total Loan Costs tape field does not match audit field Total Loan Costs No Lender Total Loan Costs: $XXX (No Data) Data points updated. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI 17.11%. Maximum requirement is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 773. Guideline requirement is 700.
XXXXXX OBX2021J30402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5212 NMLS ID# tape field does not match audit field NMLS ID# No Individual Loan Orig NMLS ID#: XXX (No Data) Corrected entry. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI 17.11%. Maximum requirement is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 773. Guideline requirement is 700.
XXXXXX OBX2021J30402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX Loan Administration #XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 6/24/21: Lender provided the payoff statement and HELOC authorization to close account, not signed by borrower.  Still missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be Signed by borrower. 7/1/21: Lender provided the signed authorization to close the HELOC with XXX.  6/24/21: Exception remains. 7/1/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI 17.11%. Maximum requirement is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 773. Guideline requirement is 700.
XXXXXX OBX2021J30402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Legal Documents Satisfied D A D A CRDLGL2644 Missing proof there were no draws on HELOC in the last 12 months > $2,000 No Missing proof there were no draws on HELOC with XXX  in the last 12 months > $2,000; per guidelines to not consider HELOC payoff in cash out funds.  6/24/21: Lender provided verification that no draws in last 12 months from HELOC with Central Loan Administration. 6/24/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI 17.11%. Maximum requirement is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 773. Guideline requirement is 700.
XXXXXX OBX2021J30402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Terms/Guidelines Satisfied B A B A CRDTER109 Cash Out Amount Exceeds Guidelines No Cash out of $434,108.14 exceeds the maximum allowed per guidelines of $325,000.  Cash to borrower $321,902.76 and HELOC payoff $112,205.38.  HELOC was not verified as having no draws > $2,000 in  last 12 months in order to be omitted in total cash out. 6/24/21: Lender provided verification that no draws in last 12 months from HELOC with Central Loan Administration.Total cash out $321,902.76 is within guidelines maximum. 6/24/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI 17.11%. Maximum requirement is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 773. Guideline requirement is 700.
XXXXXX OBX2021J30402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required per guidelines. 6/24/21: Lender provided the AUS findings report. 6/24/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI 17.11%. Maximum requirement is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 773. Guideline requirement is 700.
XXXXXX OBX2021J30402 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated CDA to support the appraised value. 6/24/21: Lender provided the CDA that supports the appraised value. 6/24/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI 17.11%. Maximum requirement is 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 773. Guideline requirement is 700.
XXXXXX OBX2021J30317 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A C A D A A A D A C A D A A A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lenders QM Safe Harbor status determination. 6/22/21: Lender provided bank statements, paystubs and W2 wage transcripts previously in file.  Still missing lenders QM Safe Harbor status determination.7/1/21: Lender provided the lenders QM Safe Harbor status determination. 6/22/21: Exception remains.7/1/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 782 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 31.56% with a max DTI of 40%.
XXXXXX OBX2021J30317 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A C A D A A A D A C A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated CDA to support the appraised value. 6/22/21: Lender provided bank statements, paystubs and W2 wage transcripts previously in file.  Still missing the updated CDA to support the appraised value.6/25/21: Lender provided the CDA that supports the appraised value. 6/22/21: Exception remains. 6/25/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 782 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 31.56% with a max DTI of 40%.
XXXXXX OBX2021J30229 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at XXX for 15 Years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence of for 12 Years.
XXXXXX OBX2021J30071 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX does not match audit field Appraised Value $XXX. 6/8/21: Lender provided the HMDA value that matches the appraised value. 6/8/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DIT of 29.02%. guideline requirement is 43.0%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score 774. Guideline required is 700.
XXXXXX OBX2021J30049 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A C A D A D A A A C A Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2904 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage. No Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage. Per Lender Guidelines, max DTI is 43%. Per loan documentation, total debt of $4874.52/ Total Income of $11,266.67 = 43.2756%. Variance of 1.03% due to updated HELOC monthly payment of $179.00 vs $119.00.  4/29/21: Lender provided credit supplement report showing HELOC payment $179 which does not lower the DTI of 43.27%. 7/7/21: Lender provided the paystubs dated within 30 days of application date, VOE within 10 days of Note date, bank statements XXX to confirm deposits of paystub.  Additional income resulted in DTI 34%. 4/29/21: Exception remains.7/7/21: Exception satisfied.  (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 755 with a minimum credit score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max LTV below guideline requirements at 68.75% with a max CLTV of 80%.
XXXXXX OBX2021J30049 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A C A D A D A A A C A Credit DTI Satisfied B A B A CRDDTI105 Debt Ratio Exception 5% or Less No .27% DTI exception. DTI is 43.27%, max allowed per guidelines is 43%. 43.27% DTI derived from using the adjusted HELOC monthly payment of $179, per supplemental credit report. Lender 42.549% DTI derived from using only $119 as monthly HELOC payment. 4/29/21: Lender provided credit supplement report showing HELOC payment $179 which does not lower the DTI of 43.27%. 6/25/21: Lender provided the income worksheet for second job to use as additional income, awaiting approval to use. 7/7/21: Lender provided the paystubs dated within 30 days of application date, VOE within 10 days of Note date, bank statements XXX to confirm deposits of paystub.  Additional income resulted in DTI 34%. 4/29/21: Exception remains. 6/25/21: Exception remains. 7/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 755 with a minimum credit score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max LTV below guideline requirements at 68.75% with a max CLTV of 80%.
XXXXXX OBX2021J30049 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A C A D A D A A A C A Credit Legal Documents Satisfied D A D A CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing copy of HELOC documentation with XXX with a balance of $35401. 4/29/21: Lender provided the Deed, Note and credit agreement for the HELOC XXX. 4/29/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 755 with a minimum credit score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max LTV below guideline requirements at 68.75% with a max CLTV of 80%.
XXXXXX OBX2021J30049 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A C A D A D A A A C A Credit Legal Documents Satisfied N/A A N/A A CRDLGL100 Legal document incorrect or incomplete No ** 7/7/21: Provide corrected 1003 and 1008 to include income from secondary employment from XXX 7/14/21: Lender provided the corrected 1003 and 1008 to include income from secondary employment from XXX. 7/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 755 with a minimum credit score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max LTV below guideline requirements at 68.75% with a max CLTV of 80%.
XXXXXX OBX2021J30049 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A C A D A D A A A C A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing required AUS for file.  4/29/21: Lender provided the AUS DU A/I. 4/29/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 755 with a minimum credit score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  Max LTV below guideline requirements at 68.75% with a max CLTV of 80%.
XXXXXX OBX2021J30440 XXXXXX CO QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field of $XXX, does match audit field Appraised Value of $XXX.  8/3/21: Lender provided the HMDA tape data confirming property value $XXX. 8/3/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 796 with a minimum credit score of 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 11.4 years.
XXXXXX OBX2021J30165 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing VVOE for B1 Schedule C business XXX dated within 30 calendar days of Note date XXX. 2. Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close HELOC to be signed by borrower.   5/19/21: Lender provided VVOE's previously in file.  Still missing the VVOE for B1 Schedule C business XXX dated within 30 calendar days of Note date XXX. Lender provided the Credit Supplement report listing the XXX.  Still missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close HELOC to be signed by borrower.   5/27/21: Lender provided the signed authorization to close the HELOC with XXX. Still missing VVOE for B1 Schedule C business XXX dated within 30 calendar days of Note date XXX. 6/11/21: Lender provided the third party business verification for business XXX. 5/19/21: Exception remains. 5/27/21: Exception remains for item #1. 6/11/21: Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per WVOE on record, client has over 10 years in current profession.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit reports on record, the borrowers do not have any major mortgage related occurrences during the past two years.
XXXXXX OBX2021J30165 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Federal Consumer Protection Waived B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Missing loan originator's middle name within legal documents provided, can tie first and last names, cancelling exception. 5/17/21: Client agrees to waive non material compliance exceptions. 5/17/21: Exception waived. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per WVOE on record, client has over 10 years in current profession.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit reports on record, the borrowers do not have any major mortgage related occurrences during the past two years.
XXXXXX OBX2021J30165 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Right of Rescission  Satisfied D A D A CMPROR5345 ROR - Missing or Incomplete Right of Rescission form No ROR in file is not signed by borrowers. 5.20.21 - Client provided signed ROR's 5.20.21 - Exception satisfiied (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per WVOE on record, client has over 10 years in current profession.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit reports on record, the borrowers do not have any major mortgage related occurrences during the past two years.
XXXXXX OBX2021J30165 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied C A C A CRDINC2488 Verbal verification of employment missing No Missing VVOE for B1 Schedule C business XXX dated within 30 calendar days of Note date XXX.  5/19/21: Lender provided VVOE's previously in file.  Still missing the VVOE for B1 Schedule C business XXX dated within 30 calendar days of Note date XXX. 6/11/21: Lender provided the third party business verification for business XXX.  5/19/21: Exception remains.6/11/21: Exception satisfied.  (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per WVOE on record, client has over 10 years in current profession.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit reports on record, the borrowers do not have any major mortgage related occurrences during the past two years.
XXXXXX OBX2021J30165 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Missing the 4506-T / 4506-C that is signed and dated by the borrowers for tax-transcripts on record. 5/19/21: Lender provided signed 4506C. 5/19/21: Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per WVOE on record, client has over 10 years in current profession.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit reports on record, the borrowers do not have any major mortgage related occurrences during the past two years.
XXXXXX OBX2021J30165 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close HELOC to be signed by borrower.  5/19/21: Lender provided the Credit Supplement report listing the XXX.  Still missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close HELOC to be signed by borrower. 5/27/21: Lender provided the signed authorization to close the HELOC with XXX. 5/19/21: Exception remains. 5/27/21: Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per WVOE on record, client has over 10 years in current profession.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit reports on record, the borrowers do not have any major mortgage related occurrences during the past two years.
XXXXXX OBX2021J30165 XXXXXX GA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Legal Documents Satisfied D A D A CRDLGL4033 Missing Legal Document(s) No Missing a Title Policy Report (Commitment and/or Final) dated within 60 days of funding, the Title Commitment provided is dated XXX.  5/19/21: Lender provided the Title Commitment previously in file.  Still missing a Title Policy Report (Commitment and/or Final) dated within 60 days of funding, the Title Commitment provided is dated XXX. 5/27/21: Lender provided the updated title commitment dated XXX. 5/19/21: Exception remains.5/27/21: Exception satisfied. (No Data) Not Applicable CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Per WVOE on record, client has over 10 years in current profession.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit reports on record, the borrowers do not have any major mortgage related occurrences during the past two years.
XXXXXX OBX2021J30349 XXXXXX UT QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 7/8/21: Lender provided the May 2021 XXX statement and HELOC statement with XXX  Still missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 07.23.21: Lender provided copy of payoff funds to XXX and copy of payoff which states the account will be closed upon receipt of payoff funds. 7/8/21: Exception remains.07.26.21 Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is 70 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 71.07% is 3.93 below the maximum of 75%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.65% is 12.35 points below the maximum allowable DTI of 40%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $2951.64 + 703.14 HELOC; Subject PI is $3185.71. Monthly savings of $937.21.
XXXXXX OBX2021J30349 XXXXXX UT QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL100 Legal document incorrect or incomplete No Guidelines require the title report be within 60 days of closing. Lender provided title report dated XXX. Provide updated title within 60 days of note date.  7/8/21: Lender provided the title report XXX from the original file.  Still missing the updated title within 60 days of Note date XXX.7/23/21: Lender provided updated title report XXX 7/8/21: Exception remains.07.26.21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is 70 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 71.07% is 3.93 below the maximum of 75%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.65% is 12.35 points below the maximum allowable DTI of 40%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $2951.64 + 703.14 HELOC; Subject PI is $3185.71. Monthly savings of $937.21.
XXXXXX OBX2021J30349 XXXXXX UT QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower.  7/8/21: Lender provided the May 2021 XXX statement and HELOC statement with XXX.  Still missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 07.23.21: Lender provided copy of payoff funds to XXX and copy of payoff which states the account will be closed upon receipt of payoff funds. 7/8/21: Exception remains.07.26.21 : Exceptions satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is 70 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 71.07% is 3.93 below the maximum of 75%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.65% is 12.35 points below the maximum allowable DTI of 40%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $2951.64 + 703.14 HELOC; Subject PI is $3185.71. Monthly savings of $937.21.
XXXXXX OBX2021J30349 XXXXXX UT QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Guidelines require AUS findings.Provide missing AUS report.  7/8/21: Lender provided the AUS findings report. 7/8/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 770 is 70 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 71.07% is 3.93 below the maximum of 75%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 27.65% is 12.35 points below the maximum allowable DTI of 40%.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $2951.64 + 703.14 HELOC; Subject PI is $3185.71. Monthly savings of $937.21.
XXXXXX OBX2021J30074 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Property Satisfied D A D A PRVAPROP111 Legal Nonconforming w/out Rebuild Letter No Legal Nonconforming w/out Rebuild Letter. Unable to locate verbiage in Appraisal. 4/19/21: Lender provided the appraisal, still unable to locate verbiage regarding rebuild letter due to zoning Legal Nonconforming w/out Rebuild Letter.4/23/21: Lender provided the appraisal with verbiage to confirm rebuild if subject destroyed. 4/19/21: Exception remains.4/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 760 with a minimum credit score of $700.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower #4 has significant time at current job with 9.6 years.
XXXXXX OBX2021J30378 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX (purchase price) does not match audit field Appraised Value $XXX. 6/25/21: Lender provided the HMDA data confirming value. 6/25/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for 4 Y and 9 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower representative score of 783 exceeds guideline requirements of 700 by 83 Points.
XXXXXX OBX2021J30419 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) B B A A A A B B B B A A A A B B Compliance RESPA Waived B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file. 7.29.21 - Clayton determined compliance exception to be non-material and the client agreed to waive. 7.29.21 - Exception Waived. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 756 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 25.28% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 37.57% with a max LTV of 80%.
XXXXXX OBX2021J30078 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing the complete 2019 & 2018 1040 tax returns. 2. Missing the complete 2019 & 2018 1120S business tax returns with K1's.3.  Missing verification of PITIA for REO on XXX.4. Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close to be signed by borrowers. 6/4/21: Lender provided the complete 2019 & 2018 1040 tax returns and the complete 2019 & 2018 1120S business tax returns with K1's. Lender provided the credit report 4/14/21 that shows XXX lien and Credit Line Payoff Summary.   Still missing the authorization to close the HELOC with XXX signed by borrower.7/14/21: Lender provided the signed authorization to close the HELOC with XXX.   6/4/21: Exception remains for item #XXX7/14/21: Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 9 Years and 8 Months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for 7 years and 2 months.
XXXXXX OBX2021J30078 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D A D B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4056 TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount No CD XXX Difference of $450. Corrected on PCCD. Exception Satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 9 Years and 8 Months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for 7 years and 2 months.
XXXXXX OBX2021J30078 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D A D B Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lenders QM Safe Harbor status designation. 6/4/21: Lender provided the 1008 previously in file stating "Loan is QM with ATR established", missing the QM "Safe Harbor" status designation.6/23/21: Lender provided the QM Safe Harbor status determination. 6/4/21: Exception remains.6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 9 Years and 8 Months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for 7 years and 2 months.
XXXXXX OBX2021J30078 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D A D B Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of PITIA for REO on XXX. 6/4/21: Lender provided the PITIA for REO on XXX $3,620.24. 6/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 9 Years and 8 Months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for 7 years and 2 months.
XXXXXX OBX2021J30078 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D A D B Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No 1. Missing the complete 2019 & 2018 1040 tax returns. 2. Missing the complete 2019 & 2018 1120S business tax returns with K1's. 6/4/21: Lender provided the complete 2019 & 2018 1040 tax returns and the complete 2019 & 2018 1120S business tax returns with K1's. 6/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 9 Years and 8 Months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for 7 years and 2 months.
XXXXXX OBX2021J30078 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D A D B Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close to be signed by borrowers. 6/4/21: Lender provided the credit report 4/14/21 that shows XXX lien and Credit Line Payoff Summary.   Still missing the authorization to close the HELOC with XXX signed by borrower. 7/14/21: Lender provided the signed authorization to close the HELOC with XXX.  6/4/21: Exception remains. 7/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 9 Years and 8 Months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for 7 years and 2 months.
XXXXXX OBX2021J30078 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A D A D B D B D A D A D B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated CDA to support the appraised value. 6/4/21: Lender provided the CDA that supports the appraised value. 6/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been at current job for 9 Years and 8 Months.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current residence for 7 years and 2 months.
XXXXXX OBX2021J30325 XXXXXX KS QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B C A D A B B D B C A D A B B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliates used in transaction, missing Affiliate Business Disclosure 6.29.2021 - Client agreed to waive non-material compliance exceptions.  6.29.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 794 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.05% with a max DTI of 43%.
XXXXXX OBX2021J30325 XXXXXX KS QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B C A D A B B D B C A D A B B Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field of $XXX (purchase price) does not match audit field Appraised value of $XXX.  07.27.21 - Lender provided HMDA Data sheet with property value that matches appraised value of $XXX. 07.29.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 794 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.05% with a max DTI of 43%.
XXXXXX OBX2021J30325 XXXXXX KS QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B C A D A B B D B C A D A B B Property Valuations Appraisal Satisfied D A D A PRVAAPPR167 Appraisal not Signed No Appraisal is not signed by Appraiser. 7/19/21: Lender provided the appraisal previously submitted with no signature from appraiser.  Still missing the appraisal signed by appraiser.07.28.21 - Lender provided signed appraisal. 7/19/21: Exception remains.07.29.21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 794 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.05% with a max DTI of 43%.
XXXXXX OBX2021J30085 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR2300 Missing Second Appraisal required per guidelines No Guidelines require that, for loan amounts greater than $XXX in the state of Florida, two appraisals must be completed. Only one appraisal in the loan file.  6/11/21: Lender provided the second full appraisal and CDA. 6/11/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 credit score exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.72% DTI is below guideline maximum of 40%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has verified income from another university that was not included in calculations.
XXXXXX OBX2021J30085 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied N/A A N/A A PRVAAPPR167 Appraisal not Signed No ** 6/11/21: Lender provided the second full appraisal for $XXX.  Appraisal was not signed by appraiser. 6/23/21: Lender provided the signed second appraisal. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  774 credit score exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  38.72% DTI is below guideline maximum of 40%.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  Borrower has verified income from another university that was not included in calculations.
XXXXXX OBX2021J30133 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A C A A A D A D A C A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing Pay Stubs and/or Written Verification of Employment with Income.  5/4/21: Lender provided the current paystubs and current VVOE. 5/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 804 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.62% with a max DTI of 43%.
XXXXXX OBX2021J30133 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A C A A A D A D A C A A A D A Compliance Documentation Satisfied D A D A CMPDOC225 Missing Rider No Per Appraisal subject is located in a PUD, Mortgage is missing PUD Rider 5.10.2021 - Client provided mortgage with PUD rider.  PUD rider was not signed by borrower.6/2/21: Lender provided the signed PUD Rider. 5.10.2021 - Exception remains.6/2/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 804 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.62% with a max DTI of 43%.
XXXXXX OBX2021J30133 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A C A A A D A D A C A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3658 TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance No Initial CD XXX APR is 3.002% and Final CD XXX APR 3.22%, difference of -.218, max allowed .125. Corrected CD should have been provided. 5.10.2021 - Client provided revised CD XXX curing APR timing exception. 5.10.2021 Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 804 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.62% with a max DTI of 43%.
XXXXXX OBX2021J30133 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D A C A A A D A D A C A A A D A Credit Income/Employment Satisfied C A C A CRDINC888 Income Amount is  Unsupported by Documentation in File No Missing Pay Stubs and/or Written Verification of Employment with Income from file.  5/4/21: Lender provided the current paystubs and current VVOE. 5/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 804 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.62% with a max DTI of 43%.
XXXXXX OBX2021J30189 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing HUD-1 from sale of REO on XXX confirming payoff of mortgage liens and net proceeds to borrower. 6/7/21: Lender provided the fully executed HUD from sale of REO on XXX confirming payoff of mortgage liens and net proceeds to borrower of $XXX. 6/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 731 exceeds guideline minimum requirement of 720 by 13 points.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current address for 2 years and 7 months.
XXXXXX OBX2021J30189 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Assets Satisfied D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing verification of gift funds in the amount of $XXX deposited to borrowers account or copy of wired funds to escrow account. 6/7/21: Lender provided the gift letter previously in file.  Still missing verification of gift funds in the amount of $XXX deposited to borrowers account or copy of wired funds to escrow account.6/21/21: Lender provided the HUD from sale of REO, appraisal, gift letter and mortgage statement.  Still missing verification of gift funds in the amount of $XXX deposited to borrowers account or copy of wired funds to escrow account.7/20/21: Lender provided the verification of gift funds in the amount of $XXX. 6/7/21: Exception remains.6/21/21: Exception remains.7/20/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 731 exceeds guideline minimum requirement of 720 by 13 points.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current address for 2 years and 7 months.
XXXXXX OBX2021J30189 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Legal Documents Satisfied D A D A CRDLGL2550 Missing HUD-1 from sale of property No Missing HUD-1 from sale of REO on XXX confirming payoff of mortgage liens and net proceeds to borrower. 6/7/21: Lender provided the fully executed HUD from sale of REO on XXX confirming payoff of mortgage liens and net proceeds to borrower of $XXX. 6/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 731 exceeds guideline minimum requirement of 720 by 13 points.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current address for 2 years and 7 months.
XXXXXX OBX2021J30189 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS findings as required per guidelines. 6/7/21: Lender provided the AUS DU A/I findings report. 6/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 731 exceeds guideline minimum requirement of 720 by 13 points.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current address for 2 years and 7 months.
XXXXXX OBX2021J30189 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR175 Missing Review Appraisal required per guidelines No Missing second full appraisal for loan amount greater than XXX. 6/7/21: Lender provided the appraisal XXX by appraiser XXX previously in file.  Still missing the Second Full Appraisal as required for loan amount exceeding XXX.6/16/21: Lender provided the second appraisal with value XXX, value supported. 6/7/21: Exception remains.6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 731 exceeds guideline minimum requirement of 720 by 13 points.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has resided at current address for 2 years and 7 months.
XXXXXX OBX2021J30496 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Credit Assets Satisfied D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Missing Final certified Hud-1 / CD / reflecting $XXX from sale of departing residence at XXX for deposit  credited (XXX). If this large deposit does not stem from the sale of previous departing residence, please provide applicable source document for the  $185,705.04. 8/16/21: Lender provided the signed final settlement statement from sale of REO on XXX with net proceeds of $XXX. 8/16/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items on record.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower's income increased monthly from $13916.66 (previous employer) to $18333.33 per paystubs and wvoe on record.  Income should continue to trend upward.
XXXXXX OBX2021J30496 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Missing HMDA Tape Value from lender to cross reference and validate. 8/4/21: Lender provided the HMDA tape data with value of $XXX, the purchase price, does not match the appraised value $XXX.8/11/21: Lender provided the HMDA tape data confirming value $XXX. 8/4/21: Exception remains.8/11/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items on record.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower's income increased monthly from $13916.66 (previous employer) to $18333.33 per paystubs and wvoe on record.  Income should continue to trend upward.
XXXXXX OBX2021J30496 XXXXXX FL QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A A A D A D A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated valuation to support original appraisal. 8/4/21: Lender provided the CDA that supports the appraised value. 8/4/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items on record.

CFCFS1750: High potential for increased earnings
- Clayton Comments:  Borrower's income increased monthly from $13916.66 (previous employer) to $18333.33 per paystubs and wvoe on record.  Income should continue to trend upward.
XXXXXX OBX2021J30303 XXXXXX OR QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX (purchase price) does not match audit field Appraised Value $XXX. 6/21/21: Lender provided the HMDA data confirming value. 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 780 is 80 points above the minimum required score of 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX, with liquid assets of $XXX. Cash required to close $249,620.08. Post close reserves are $400,199.19. Reserves required $5997.37 x 12 = $71,968.44. Excess Post-closing reserves of $328,230.75.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has over 12 years on current job.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Borrower 2 has over 12 years on current job.
XXXXXX OBX2021J30247 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Compliance RESPA Waived B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No Missing list of at least 10 counselors 06.10.2021 - Client agreed to waive non-material compliance exceptions.  06.10.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 804 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 23.75% with a max DTI of 43%.
XXXXXX OBX2021J30247 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Credit Application Satisfied D A D A CRDAPP4625  The orig file does not contain a third party fraud report No Missing Third party fraud report.  6/23/21: Lender provided the third party fraud report. 6/23/21: Exception satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 804 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 23.75% with a max DTI of 43%.
XXXXXX OBX2021J30397 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 credit score.  Minimum required is 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 45mos; maximum required 12mos
XXXXXX OBX2021J30397 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Assets Satisfied D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing the executed HUD from sale of REO on XXX. 8/4/21: Lender provided the CD from sale of REO with net proceeds of $XXX. 8/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 credit score.  Minimum required is 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 45mos; maximum required 12mos
XXXXXX OBX2021J30397 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX (purchase price) does not match audit field Appraised Value $XXX. 8/10/21: Lender provided the HMDA tape confirming value $XXX. 8/10/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 credit score.  Minimum required is 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 45mos; maximum required 12mos
XXXXXX OBX2021J30397 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS findings report as required per guidelines. 8/4/21: Lender provided the AUS findings report. 8/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  784 credit score.  Minimum required is 700.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Mortgage payment history 0x30 45mos; maximum required 12mos
XXXXXX OBX2021J30168 XXXXXX MA QM: Safe Harbor QM: Safe Harbor B A A A A A B A B A A A A A B A Compliance Borrower's Interest Satisfied B A B A CMPBI1623 MA Borrower Interest; Worksheet missing No MA Borrower Interest; Worksheet missing 5/26/21: Lender provided the MA Borrower Interest Worksheet.  5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  55 months 0 x 30 verified, 24 months required.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has Significant time in profession 15 years

CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence  8 years
XXXXXX OBX2021J30484 XXXXXX MA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A B A D A D A A A B A Compliance Documentation Satisfied B A B A CMPDOC2856 TILA - Loan Originator information missing from Note. No Loan Originator information is missing from Note due to missing Page 4.  7.9.2021 - Client provided all pages to fully executed Note. 7.9.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 765 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.89% with a max DTI of 43%.
XXXXXX OBX2021J30484 XXXXXX MA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A B A D A D A A A B A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field of $XXX (purchase price) does not match audit field Appraised Value of $XXX.  7.9.2021 - Client provided updated data tape 7.9.2021 - 7.9.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 765 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.89% with a max DTI of 43%.
XXXXXX OBX2021J30484 XXXXXX MA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A B A D A D A A A B A Credit Legal Documents Satisfied D A D A CRDLGL2277 Note Not Executed No Note is not executed due to missing Page 4.  7.9.2021 - Client provided all pages to fully executed Note. 7.9.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 765 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 28.89% with a max DTI of 43%.
XXXXXX OBX2021J30357 XXXXXX VA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit HMDA Satisfied C A C A CRDHMDA5202 Street Address tape field does not match audit field Street Address No Tape Value shows Street Address as XXX. Note and all other docs show Street Address as XXX. 8/10/21: HMDA Tape provided. 8/10/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 808 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.16% with a max DTI of 43%.
XXXXXX OBX2021J30357 XXXXXX VA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing required AUS for file.  7/21/21: Lender provided the AUS findings report. 7/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 808 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.16% with a max DTI of 43%.
XXXXXX OBX2021J30163 XXXXXX HI QM: Safe Harbor QM: Safe Harbor (APOR) B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. Exception satisfied. Final Grade A.  (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 credit score exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  19.14% DTI is below guideline maximum of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 11 years and 4 months.
XXXXXX OBX2021J30163 XXXXXX HI QM: Safe Harbor QM: Safe Harbor (APOR) B B A A A A B B B B A A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied B B B B CMPTRID4056 TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount No CD XXX TOP difference of $225.42. Corrected on PCCD XXX. Exception Satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  808 credit score exceeds guideline minimum of 720.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  19.14% DTI is below guideline maximum of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 11 years and 4 months.
XXXXXX OBX2021J30272 XXXXXX NV QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A A A A A D A D A A A A A D A Compliance Documentation Satisfied D A D A CMPDOC3274 Mortgage/Deed in file is incomplete No Mortgage is missing page 2. 06.03.21 - Lender Provided all pages of fully executed mortgage deed and riders. 06.03.21 - Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 38%. guideline requirement is 45%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 15 years on the job.
XXXXXX OBX2021J30513 XXXXXX GA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  817 credit score exceeds guideline minimum of 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 14 years and 1 month.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  28.48% DTI is below guideline maximum of 43%.
XXXXXX OBX2021J30081 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lenders QM Safe Harbor status determination. 6/3/21: Lender provided the 1008 stating "loan is QM with ATR established". Still missing the lenders QM "Safe Harbor" status determination.6/15/21: Lender provided the 1008 stating the lenders QM Safe Harbor status determination. 6/3/21: Exception remains.6/15/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned subject residence for 8 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 18 years.
XXXXXX OBX2021J30081 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Legal Documents Satisfied D A D A CRDLGL137 Missing copy of 2nd lien Note (subject is 1st lien) No Missing the Note and Credit Line Agreement from XXX 06.03.21 - Lender provided copy of subordination agreement from XXX. Agreement is not filled out completely (blank lines and spaces), nor is it signed and executed. 6/14/21: Lender provided the fully executed subordination agreement.  Still missing the Note and Credit Line Agreement from XXX7/19/21: Lender provided the Note and Credit Line Agreement and Disclosure from XXX. 06.03.21 - Exception remains.6/14/21: Exception remains.7/19/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned subject residence for 8 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 18 years.
XXXXXX OBX2021J30081 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Legal Documents Satisfied D A D A CRDLGL140 Missing subordination agreement for existing junior lien No Missing the fully executed subordination agreement from XXX.  Agreement in file is not signed. 06.03.21 - Lender provided copy of subordination agreement from XXX. Agreement is not filled out completely (blank lines and spaces), nor is it signed and executed.6/14/21: Lender provided the fully executed subordination agreement. 06.03.21 - Exception remains.6/14/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned subject residence for 8 years.

CFCFS2854: Significant time in profession
- Clayton Comments:  B1 has been in same profession for 18 years.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing the complete signed 2019 & 2018 1040 tax returns and 2020 extension. 2. Missing the complete signed 2019 & 2018 1120 business tax returns with all schedules and K1's and 2020 extension. 3. Missing the Signed 2020 Year end and 2021 YTD P&L statement and Balance Sheet.   4. Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close signed by borrower. 5. Missing verification of PITI for REO on XXX.   7/5/21: Lender provided the complete signed 2019 & 2018 1040 tax returns and the complete signed 2019 & 2018 1120 business tax returns with all schedules.  Extension not required based on application date. Lender provided the signed 2020 Year end Profit and Loss and a Signed 2021 YTD Profit and Loss.  Lender provided the signed 2020 Year end Balance Sheet and a Signed 2021 YTD Balance Sheet.Lender provided payoff with credit line closing payoff summary. Lender provided PITI for REO on XXX of $2645.16. 7/5/21: Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Compliance RESPA Waived B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file  6.24.2021 - Client agreed to waive non-material compliance exceptions.  6.24.2021 - Exception waived (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No  Affiliate Business Disclosure missing  06.24.2021 -Client agreed to waive non-material compliance exceptions.  6.24.2021 - Exception waived (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3552 TRID - Loan Estimate not timely No Application date 03.09.2021 and only LE provided was issued XXX. Per Disclosure Tracking Summary missing Initial LE XXX. 7.26.2021 - Disclosure tracking and documents provided. 7.26.2021 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Per Disclosure Tracking Summary missing Initial CD issued XXX 7.26.2021 - Disclosure tracking and documents provided. 7.26.2021 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3640 TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided No $50 lender credit per Final CD is not suffice to cover increase in fees at or prior to closing without a valid reason. An additional refund of $3146.40 is required due to $288.80 Extension fee and $2857.60 Loan points. Missing CIC for change in loan points and extension fee added or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. 7.6.2021 - Client provided a CIC for the rate lock extension however it is dated 5.18.2021 and the CD was not issued until XXX. The closing disclosure was required to be issued within 3 days of discovery XXX. Please provided missing CD within 3 days of XXX.7.8.2021 - Client provided a CD and Lock confirmation form however it is not for this borrower.7.26.2021 - Client provided CIC and Missing CDs 7.6.2021 - Exception remains7.8.2021 - Exception remains7.26.2021 - Exception satisfied Numeric Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3676 TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. No $6.40 refund due to increase in recording fees at closing without a valid reason, Missing CIC for increase in recording fees or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. 7.6.2021 - Client provided a CIC for the rate lock extension however CIC for increase in recording fees was not provided. 7.8.2021 - Client provided a CD and Lock confirmation form however it is not for this borrower.7.26.2021 - Client provided CIC and Missing CDs 7.6.2021 - Exception remains7.8.2021 - Exception remains7.26.2021 - Exception satisfied (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of PITI for REO on XXX.  7/5/21: Lender provided PITI for REO on XXX. 7/5/21: Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit Income/Employment Satisfied C A C A CRDINC150 Income docs do not meet guidelines No Missing the 2020 and 2019 W2 wage transcripts for B1 and the 2020 W2 wage transcripts for B2.  7/5/21: Lender provided the 2019/2018 W2 wage transcripts. 7/5/21: Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No 1. Missing the complete signed 2019 & 2018 1040 tax returns and 2020 extension.2. Missing the complete signed 2019 & 2018 1120 business tax returns with all schedules and K1's and 2020 extension. 7/5/21: Lender provided the complete signed 2019 & 2018 1040 tax returns and the complete signed 2019 & 2018 1120 business tax returns with all schedules.  Extension not required based on application date.  7/5/21: Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit Income/Employment Satisfied D A D A CRDINC3258 Missing Profit and Loss statement for one or more Self Employed borrowers No Provide Signed 2020 Year end Profit and Loss and a Signed 2021 YTD Profit and Loss  that supports income used to qualify.  7/5/21: Lender provided the signed 2020 Year end Profit and Loss and a Signed 2021 YTD Profit and Loss.   7/5/21: Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit Income/Employment Satisfied D A D A CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Provide Signed 2020 Year end Balance Sheet and a Signed 2021 YTD Balance Sheet. 7/5/21: Lender provided the signed 2020 Year end Balance Sheet and a Signed 2021 YTD Balance Sheet. 7/5/21: Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close signed by borrower. If HELOC is not paid a fully executed subordination agreement and copy of Note and security agreement required, additional conditions may apply.  07.02.21 - Lender provided payoff with credit line closing payoff summary. 07.02.21 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit Terms/Guidelines Satisfied C A C A CRDTER3122 Loan documents do not meet guideline requirements No Guidelines require the most recent 12 months mortgage history.Provide satisfactory evidence that XXXX mortgage has been paid on time within 30 days of note date. (Credit supplement, mortgage statements for last 3 months) 7/5/21: Lender provided the 5/1/21 XXX statement and credit update confirming 0x30 and due for 6/1/21. 7/5/21: Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Credit Terms/Guidelines Satisfied D A D A CRDTER146 Missing lender's loan approval/underwriting form No Missing Underwriting transmittal - form 1008. 07.02.21 - Lender provided transmittal. 07.02.21 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Property Valuations Appraisal Satisfied D A D A PRVAAPPR100 Missing Appraisal No Missing the origination appraisal. 07.02.21 -  Lender provided 1st and 2nd full appraisals. 07.02.21 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30176 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A D A D B D B D A D A D B Property Valuations Appraisal Satisfied D A D A PRVAAPPR175 Missing Review Appraisal required per guidelines No Missing the second full appraisal as required per guidelines based on loan amount. 07.02.21 - Lender provided second full appraisal. 07.02.21 - Exception satisfied. (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 67.56% is 2.44 below the maximum of 70%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 809 is 89 points above the minimum required score of 720.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $213,278.93, with liquid assets of $XXX. Cash required to close $7577.93. Post close reserves are $205,701.00. Reserves required $8822.03 x 12 = $105,864.36. Excess Post-closing reserves of $99,836.64.
XXXXXX OBX2021J30472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2904 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage. No The debt is exceeding 43% based on updated debts advised in URLA s/d on 07/22/21, missing Final 1008 to determine what the final ratios used in review:XXX: $570.00/$972.00 (previously $164/164 per credit report dated 06/11)XXX: $613.00/$40881.00 (previously $141.00/$69.00 per credit report dated 06/11) 8/12/21: Lender provided updated credit confirming XXX payment $570 and XXX payment $613.  XXX payment of $975 was omitted from DTI as account is not a lease and less than 10 payments.  Revised DTI 39.11%. 8/12/21: Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major occurrences per credit report on record.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over twenty-two years in current profession.
XXXXXX OBX2021J30472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance Federal Consumer Protection Satisfied C A C A CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Cannot determine whether borrower was provided their full rescission period due to missing CD's. in the file. 8.12.2021 - Client provided Final CD however still missing Initial CD, please see additional condition XXX 8.12.2021 - Exception satisfied (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major occurrences per credit report on record.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over twenty-two years in current profession.
XXXXXX OBX2021J30472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance RESPA Waived B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations is missing in the file. Disclosure tracking summary shows provided 6/15/21. 8.3.2021 - Clayton determined compliance exception to be non-material and the client agreed to waive.  8.3.2021 - Exception waived (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major occurrences per credit report on record.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over twenty-two years in current profession.
XXXXXX OBX2021J30472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3496 TRID - Closing Disclosure Missing No Missing all CD's 8.12.2021 - Client provided Final CD however still missing Initial CD, please see additional condition XXX 8.12.21 - Exception satisfied (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major occurrences per credit report on record.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over twenty-two years in current profession.
XXXXXX OBX2021J30472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied N/A A N/A A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing Initial CD acknowledged at least 3 days prior to consummation 8.18.2021 - Client provided Initial CD 8.18.2021 - Exception satisfied (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major occurrences per credit report on record.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over twenty-two years in current profession.
XXXXXX OBX2021J30472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing Ability to Repay worksheet and / or document from lender stating ATR / QM: Safe Harbor. 8/11/21: Lender provided the Mavent report.  Still missing lenders QM Safe Harbor status determination.8/12/21: Lender provided the QM Safe Harbor status determination. 8/11/21: Exception remains.8/12/21: Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major occurrences per credit report on record.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over twenty-two years in current profession.
XXXXXX OBX2021J30472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No 1 - Missing tax transcript for borrowers and 1120-S (XXX). 2 - Missing 4506-t / 4506-C for both borrowers and business. 8/11/21: Lender provided the signed 4506T/4560C.  Still missing IRS tax transcripts for borrowers 1040 and 1120S tax returns.8/17/21: Lender provided the 2020/2019 1040 & 1120S tax transcripts. 8/11/21: Exception remains for item #1.8/17/21: Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major occurrences per credit report on record.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over twenty-two years in current profession.
XXXXXX OBX2021J30472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Insurance Satisfied D A D A CRDINSR2400 Missing Flood Certification Document No Missing Flood Certification. 8/11/21: Lender provided the Flood Cert. 8/11/21: Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major occurrences per credit report on record.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over twenty-two years in current profession.
XXXXXX OBX2021J30472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Insurance Satisfied D A D A CRDINSR848 Missing Hazard Insurance No Missing a copy of the Hazard Insurance. 8/11/21: Lender provided the HOI policy. 8/11/21: Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major occurrences per credit report on record.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over twenty-two years in current profession.
XXXXXX OBX2021J30472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Legal Documents Satisfied D A D A CRDLGL4033 Missing Legal Document(s) No Missing credit supplement, monthly billing statement, etc. that documents the increase in monthly payments / balance for following debts advises in URLA s/d on XXX:XXX : $XXX (previously $164/164 per credit report dated 06/11)XXX : $613.00/$40881.00 (previously $141.00/$69.00 per credit report dated 06/11) 8/12/21: Lender provided updated credit confirming XXX.  XXX payment of $975 was omitted from DTI as account is not a lease and less than 10 payments.  Revised DTI 39.11%. 8/12/21: Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major occurrences per credit report on record.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over twenty-two years in current profession.
XXXXXX OBX2021J30472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Terms/Guidelines Satisfied D A D A CRDTER146 Missing lender's loan approval/underwriting form No Missing final loan approval (1008) or lender to confirm if Loan Approval is the final Loan Approval issued. This exception stems from variance in debts that can cause DTI to exceed 43%  that were not included in Loan Approval dated XXX but can be found in URLA s/d on 07/22/2021 (please see XXX expenses). 8/12/21: Lender provided the 1008 and an updated credit confirming XXX payment $570 XXX payment $613.  XXX payment of $975 was omitted from DTI as account is not a lease and less than 10 payments.  Revised DTI 39.11%. 8/12/21: Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major occurrences per credit report on record.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over twenty-two years in current profession.
XXXXXX OBX2021J30472 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS from lender providing Approval /Ineligible status. 8/12/21: Lender provided the AUS findings report. 8/12/21: Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major occurrences per credit report on record.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over twenty-two years in current profession.
XXXXXX OBX2021J30519 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C B C A A A B B C B C A A A B B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing  08.03.2021 - Clayton determined compliance exception to be non-material and the client agreed to waive. 08.03.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 780 with a minimum credit score of 700.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history exceeds guidelines with no late payments in the past 60 months or more.
XXXXXX OBX2021J30519 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor C B C A A A B B C B C A A A B B Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Hazard Insurance Coverage No Loan amount is $XXX and Hazard coverage is for $XXX. Insufficient Hazard Insurance coverage. Reconstruction cost worksheet was not found in file. 8/17/21: Lender provided the HOI Replacement Cost Estimate. 8/17/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 780 with a minimum credit score of 700.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Consumer credit history exceeds guidelines with no late payments in the past 60 months or more.
XXXXXX OBX2021J30486 XXXXXX TN QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 777 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 24.68% with a max DTI of 43%.
XXXXXX OBX2021J30456 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Compliance Compliance Manual Satisfied C A C A CMPMAN2994 Licensing-related issue based on review of NMLS web site No NMLS Website is currently under maintenance, unable to validate through 7/26 7am. 8/20/21: NMLS verified. 8/20/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  750 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.92% DTI is below guideline maximum of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  54% LTV is below guideline maximum of 75%.
XXXXXX OBX2021J30456 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Compliance RESPA Waived B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file  7.22.2021 -Client agreed to waive non-material compliance exceptions.  7.22.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  750 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.92% DTI is below guideline maximum of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  54% LTV is below guideline maximum of 75%.
XXXXXX OBX2021J30456 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing  7.22.2021 - Client agreed to waive non-material compliance exceptions.  7.22.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  750 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.92% DTI is below guideline maximum of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  54% LTV is below guideline maximum of 75%.
XXXXXX OBX2021J30456 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing acknowledgment of CD at least 3 days prior to consummation 7.28.2021 - Client provided disclosure tracking with Initial CD received XXX. 7.28.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  750 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.92% DTI is below guideline maximum of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  54% LTV is below guideline maximum of 75%.
XXXXXX OBX2021J30456 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lenders QM Safe Harbor status determination. 07.27.21 - Lender provided Transmittal with Safe Harbor designation 07.29.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  750 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.92% DTI is below guideline maximum of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  54% LTV is below guideline maximum of 75%.
XXXXXX OBX2021J30456 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Credit Insurance Satisfied D A D A CRDINSR848 Missing Hazard Insurance No Missing evidence of current Hazard Insurance. 07.27.21 - Lender provided Hazard Insurance Policy. 07.29.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  750 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.92% DTI is below guideline maximum of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  54% LTV is below guideline maximum of 75%.
XXXXXX OBX2021J30456 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Credit Terms/Guidelines Satisfied C A C A CRDTER3122 Loan documents do not meet guideline requirements No Missing Uniform Underwriting & Transmittal Summary, Form 1008. 07.27.21 - Lender provided Transmittal 1008 07.29.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  750 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.92% DTI is below guideline maximum of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  54% LTV is below guideline maximum of 75%.
XXXXXX OBX2021J30067 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of PITI for REO on XXX. 6/23/21: Lender provided the PITI for REO on XXX of $3,142.01. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for 9 Years and 8 Months.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrowers representative score of 790 exceeds minimum guideline requirement of 700 by 90 Points.
XXXXXX OBX2021J30067 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of PITI for REO on XXX. 6/23/21: Lender provided the PITI for REO on XXX of $3,142.01. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for 9 Years and 8 Months.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrowers representative score of 790 exceeds minimum guideline requirement of 700 by 90 Points.
XXXXXX OBX2021J30067 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Missing the last two years W2's for each borrower. 6/23/21: Lender provided the 2020/2019 W2s for each borrower. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for 9 Years and 8 Months.

CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrowers representative score of 790 exceeds minimum guideline requirement of 700 by 90 Points.
XXXXXX OBX2021J30483 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX (purchase price) does not match audit field Appraised Value $XXX. 8/12/21: Lender provided the HMDA tape data confirming value $XXX. 8/12/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 9 years on job

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  0x30 mortgage history .
XXXXXX OBX2021J30294 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Compliance Right of Rescission  Waived B B B B CMPROR117 ROR - Expiration date on form prior to end of rescission period No ROR Expiration date of XXX; disbursement date per PCCD is XXX. Borrower did not receive full mandatory rescission period prior to disbursement of funds. 06.10.2021 - Client agreed to waive non-material compliance exceptions.  06.10.2021- Exception waived (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PITI is $5360.24; Subject PITI is $4272.82. Monthly savings of $1087.42.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 29 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.10% is 17.90 points below the maximum allowable DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 63.64% is 16.36 below the maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 771 is 71 points above the minimum required score of 700.
XXXXXX OBX2021J30294 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Missing Initial CD acknowledged at least 3 days prior to consummation 6.22.2021 - Client provided Initial CD XXX 6.22.2021 - Exception satisfied (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PITI is $5360.24; Subject PITI is $4272.82. Monthly savings of $1087.42.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 29 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.10% is 17.90 points below the maximum allowable DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 63.64% is 16.36 below the maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 771 is 71 points above the minimum required score of 700.
XXXXXX OBX2021J30294 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A C B D B D A A A C B Credit Assets Satisfied D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing account statements covering most recent 2 months for the following accounts: XXX 403b with a value after loan subtraction of $XXX and XXX 401k with a value after loan subtraction of $XXX. 6/22/21: Lender provided the documentation for the XXX accounts confirming sufficient funds for reserves. 6/22/21: Exception satisfied. (No Data) Not Applicable CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Borrower current primary PITI is $5360.24; Subject PITI is $4272.82. Monthly savings of $1087.42.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 29 years in profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 25.10% is 17.90 points below the maximum allowable DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 63.64% is 16.36 below the maximum of 80%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 771 is 71 points above the minimum required score of 700.
XXXXXX OBX2021J30175 XXXXXX CO QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 755 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.49% with a max DTI of 43%.
XXXXXX OBX2021J30358 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No According to Disclosure Tracking Summary missing Initial CD issued XXX. 7.12.2021 - Client provided Initial CD XXX 7.12.2021 - Exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has over 7 years in current profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower(s): 783 / XXX Minimum: 700
XXXXXX OBX2021J30358 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Credit Application Satisfied D A D A CRDAPP130 Application is incomplete No Missing initial URLA sign and dated by the borrowers and loan officer. In addition, also missing pages 10-18 for final URLA sign and dated on XX/XX/XXXX. 7/12/21: Lender provided the complete signed and dated 1003 with all pages. 7/12/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has over 7 years in current profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower(s): 783 / XXX Minimum: 700
XXXXXX OBX2021J30358 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX does not match audit field Appraised Value XXX.  7/22/21: HMDA tape data confirms value. 7/22/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has over 7 years in current profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower(s): 783 / XXX Minimum: 700
XXXXXX OBX2021J30358 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Credit Income/Employment Satisfied B A B A CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing VVOE for B1 covering a two year employment history.  VVOE in file from XXX -present. 7/12/21: Lender provided the prior VOE verifying employment from XXX. 7/12/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has over 7 years in current profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower(s): 783 / XXX Minimum: 700
XXXXXX OBX2021J30358 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Credit Insurance Satisfied D A D A CRDINSR848 Missing Hazard Insurance No Missing Hazard Insurance Statement. 7/12/21: Lender provided the HOI with sufficient coverage. 7/12/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  The borrower has over 7 years in current profession.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower(s): 783 / XXX Minimum: 700
XXXXXX OBX2021J30506 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C A C A A A C A C A C A A A C A Compliance Compliance Manual Satisfied C A C A CMPMAN2990 1003 - Final Application is not Accurate No Missing the complete Final Application (1003). 8/5/21: Lender provided the final 1003 pages 1-6 to complete 1003 in file of pages 7-9. 8/5/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has six years in current profession.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  The borrower has no major mortgage related occurrences during the past two years.
XXXXXX OBX2021J30506 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C A C A A A C A C A C A A A C A Credit HMDA Satisfied C A C A CRDHMDA5202 Street Address tape field does not match audit field Street Address No The HMDA Tape value on record does not match the value of other documents provided (i.e., street address. ULI #. etc.) but that is due to having the incorrect HMDA Tape Value (might be for another transaction per street address of XXX). 8/5/21: Lender provided the HMDA tape data confirming correct street address. 8/5/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has six years in current profession.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  The borrower has no major mortgage related occurrences during the past two years.
XXXXXX OBX2021J30506 XXXXXX CO QM: Safe Harbor QM: Safe Harbor C A C A A A C A C A C A A A C A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No The HMDA Property Value is $XXX versus the documented value per appraisal ($XXX) but that is due to having the incorrect HMDA Tape Value (might be for another transaction per street address of XXX). 8/5/21: Lender provided the HMDA tape data with property value $XXX (purchase price) that does not match the appraised value of $XXX.8/11/21: Lender provided the HMDA tape data confirming property value $XXX. 8/5/21: Exception remains.8/11/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has six years in current profession.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  The borrower has no major mortgage related occurrences during the past two years.
XXXXXX OBX2021J30336 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing the complete 2019 & 2018 1040 tax returns. 2. Missing the complete 2019 & 2018 1120 business tax returns with K1's.  7/26/21: Lender provided the complete 2019 & 2018 1040 tax returns and the complete 2019 & 2018 1120 business tax returns with K1's. 7/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 808 with a minimum credit score of 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 17.3 years.
XXXXXX OBX2021J30336 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No 1. Missing the complete 2019 & 2018 1040 tax returns.2. Missing the complete 2019 & 2018 1120 business tax returns with K1's. 7/26/21: Lender provided the complete 2019 & 2018 1040 tax returns and the complete 2019 & 2018 1120 business tax returns with K1's. 7/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 808 with a minimum credit score of 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 17.3 years.
XXXXXX OBX2021J30336 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing required AUS for file.  7/26/21: Lender provided the AUS findings report. 7/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 808 with a minimum credit score of 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 17.3 years.
XXXXXX OBX2021J30336 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing CDA to support original appraised value. 7/26/21: Lender provided the CDA that supports the appraised value. 7/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 808 with a minimum credit score of 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 17.3 years.
XXXXXX OBX2021J30460 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency No Per Final 1003, Citizenship is Non-Permanent Resident Alien. Missing documentation related to Citizenship/residency. 8/10/21: Lender provided the corrected 1003 that borrower is US Citizen, verified through XXX as well. 8/10/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 802 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.84% with a max DTI of 43%.
XXXXXX OBX2021J30460 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Provide the 2020 & 2019 IRS W2 Wage transcripts. 8/5/21: Lender provided the 2020 & 2019 W2 wage transcripts. 8/5/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 802 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.84% with a max DTI of 43%.
XXXXXX OBX2021J30365 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D A C A D A A A D A C A D A A A Credit HMDA Satisfied C A C A CRDHMDA5207 Total Loan Costs tape field does not match audit field Total Loan Costs No Total Loan costs $XXX 6.28.2021 - Client provided same CD at time of review and Total Loan Costs $XXX. Cure based on an updated data tape. 7.19.2021 - Client agrees that total loan costs is $XXX however the tape only shows $XXX.7.28.2021 - Client provided updated tape 6.28.2021 - Exception remains7.19.2021 - Exception remains7.28.2021 - Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has  DTI of 35.64%. Guideline maximum requirement is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 782. Guideline requirement is 680.
XXXXXX OBX2021J30365 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D A C A D A A A D A C A D A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX (purchase price) does not match audit field Appraised Value $XXX. 7/7/21: Lender provided the HMDA tape data confirming value. 7/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has  DTI of 35.64%. Guideline maximum requirement is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 782. Guideline requirement is 680.
XXXXXX OBX2021J30365 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D A C A D A A A D A C A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR175 Missing Review Appraisal required per guidelines No Missing the second full appraisal as required based on loan amount per guidelines. 6/28/21: Lender provided the second full appraisal with value $XXX. 6/28/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has  DTI of 35.64%. Guideline maximum requirement is 43%

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 782. Guideline requirement is 680.
XXXXXX OBX2021J30006 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Compliance Federal Consumer Protection Waived B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No XXX the same individual per NMLS Website. 8/3/21: Client agreed to waive non-material compliance exceptions. 8/3/21: Exception waived. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major related occurrences during the past two years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has thirteen years in current profession.
XXXXXX OBX2021J30006 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D B D A A A B B D B D A A A B B Credit Legal Documents Satisfied D A D A CRDLGL4033 Missing Legal Document(s) No Please provide an updated title report (within 60 days) of funding date Preliminary Report is dated XXX 08.05.21 - Lender provided updated title with an effective date of XXX 08.09.21 - Exception satisfied. (No Data) Not Applicable CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  No major related occurrences during the past two years.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has thirteen years in current profession.
XXXXXX OBX2021J30012 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 25 years in the same profession

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower DTI of 6.10% is below guideline maximum of 40%.
XXXXXX OBX2021J30013 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing required AUS as required per guidelines. 3/4/21: Lender provided the AUS DU A/I. 3/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 788 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 29.84% with a max DTI of 43%.
XXXXXX OBX2021J30013 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Title Satisfied D A D A CRDTIL796 Missing Title No Missing required Title for file.  3/4/21: Lender provided the preliminary title report. 3/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 788 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 29.84% with a max DTI of 43%.
XXXXXX OBX2021J30046 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Title Satisfied D A D A CRDTIL865 Title incomplete No Missing the complete title commitment. 6/1/21: Lender provided the complete title commitment. 6/1/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Significant time at current residence of 18 years

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified cash reserves of $586,996.55 or 58.94 months exceed guidelines
XXXXXX OBX2021J30050 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 768 with a minimum credit score of 700.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time at current residence with 10 years.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 16 years.
XXXXXX OBX2021J30062 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B A A B B A A B B A A B B A A Property Valuations FEMA Waived B B B B PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) No Natural Disaster Area, no subsequent inspection (Public) 6/10/21: Client agreed to waive non-material FEMA exception for Public use. 6/10/21: Exception waived. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 782. guideline requirement is 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has  DTI of 14%. Lender guideline requirement is 43%
XXXXXX OBX2021J30146 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field XXX does not match audit field Appraised Value XXX. 6.14.2021 - Client provided updated HMDA tape 6.14.2021 - Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 35%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 772. guideline requirement is 700.
XXXXXX OBX2021J30146 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS findings report as required per guidelines. 6/15/21: Lender provided the AUS findings report. 6/15/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 35%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 772. guideline requirement is 700.
XXXXXX OBX2021J30066 XXXXXX TX QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has DTI of 10.31%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has credit score of 793. guideline requirement is 680.
XXXXXX OBX2021J30069 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Credit/Mtg History Satisfied B A B A CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Missing the mortgage payment history from prior subject lien with XXX to show 0x30 for last 12 months. 6/7/21: Lender provided the mortgage payment history with XXX from supplemental credit report 4/20/21 verifying 0x30 71 months reviewed. 6/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX at current position for 20.58 Years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 14.92 Years.
XXXXXX OBX2021J30069 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Legal Documents Satisfied D A D A CRDLGL100 Legal document incorrect or incomplete No Title commitment in file date XX/XX/XXXX exceeds the maximum of 60 days from Note date XXX.  Provide an updated title commitment. 6/7/21: Lender provided the updated title commitment dated 4/26/21 within 60 days of Note date. 6/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX at current position for 20.58 Years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 14.92 Years.
XXXXXX OBX2021J30069 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required by guidelines. 6/7/21: Lender provided the AUS DU A/I findings report. 6/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been XXX at current position for 20.58 Years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 14.92 Years.
XXXXXX OBX2021J30222 XXXXXX OR QM: Safe Harbor QM: Safe Harbor B B A A A A B B B B A A A A B B Compliance Right of Rescission  Waived B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. 6/8/21: Client agreed to waive non-material compliance exceptions. 6/8/21: Exception waived. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has owned current residence for 6 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 763 exceeds exceed minimum required credit score of 700 by 63 points.
XXXXXX OBX2021J30079 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of HOI for REO on XXX. 6/14/21: Lender provided the QM Safe Harbor status previously in file.  Still missing the verification of HOI for REO on XXX.06.14.21: lender stated that the property is owned Free & Clear, with no requirement of insurance. 6/14/21: Exception remains.06.14.21 Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for 30 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 805 exceeds guideline requirements of 700 by 105 points.
XXXXXX OBX2021J30079 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of HOI for REO on XXX. 06.14.21: Lender stated that the property is owned Free & Clear, with no requirement of insurance. 06.14.21 Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for 30 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 805 exceeds guideline requirements of 700 by 105 points.
XXXXXX OBX2021J30190 XXXXXX OR QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing the WVOE to support the breakdown of bonus income for last two years.2. Provide documentation to support the Alimony debt payment of $4,500.00 as stated on the final 1003. 6/7/21: Lender provided the WVOE covering 2+ years confirming the bonus income.Lender provided the divorce decree to verify spousal support of $4,500 per month.  6/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 791 exceeds guidelines.
XXXXXX OBX2021J30190 XXXXXX OR QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Right of Rescission  Waived B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No  Incorrect ROR Form Used - H8 Form Used in Refinance With Original XXX. 6/4/21: Client agreed to waive non-material compliance exceptions. 6/4/21: Exception waived. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 791 exceeds guidelines.
XXXXXX OBX2021J30190 XXXXXX OR QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Credit/Mtg History Satisfied C A C A CRDCRMH1805 Debts/obligations not disclosed/accounted for at origination No Provide documentation to support the Alimony debt payment of $4,500.00 as stated on the final 1003. 6/7/21: Lender provided the divorce decree to verify spousal support of $4,500 per month. 6/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 791 exceeds guidelines.
XXXXXX OBX2021J30190 XXXXXX OR QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Missing the WVOE to support the breakdown of bonus income for last two years. 6/7/21: Lender provided the WVOE covering 2+ years confirming the bonus income. 6/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 791 exceeds guidelines.
XXXXXX OBX2021J30190 XXXXXX OR QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Legal Documents Satisfied D A D A CRDLGL100 Legal document incorrect or incomplete No Title Commitment dated 2/17/21 is greater than 60 days from Note date XXX.  Provide an undated title commitment within 60 days. 6/7/21:  Lender provided the updated title policy dated XXX. 6/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 791 exceeds guidelines.
XXXXXX OBX2021J30190 XXXXXX OR QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required per guidelines. 6/9/21: Lender provided the AUS findings report. 6/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 791 exceeds guidelines.
XXXXXX OBX2021J30090 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has stable employment in the XXX for the past 20 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower qualifying score of 784 exceeds min guideline requirement of 700.
XXXXXX OBX2021J30084 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B C A A A C B C B C A A A C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2900 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. No DTI calculated at 44.03%.  Subject PITI $6,451.63 + debts $242 + negative rents $956.80 = $7,650.43.  Income B1 $10,833.34 + B2 $6,541.75 = $17,375.09.  Lender DTI 42.91% using negative rent of $670.95.  6/16/21: Lender provided the 2/8/21 credit report with revised date of 3/8/21 listing the same debts as previously calculated.  No change in DTI of 44.03%. 6/17/21: Lender response regarding rental income calculation of less than 2 yrs as owned less than 2 years. Upon further review and calculation revised DTI is 42.72%. 6/16/21: Exception remains. 6/17/21: Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 9 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent overall credit history.
XXXXXX OBX2021J30084 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B C A A A C B C B C A A A C B Compliance Ability to Repay/Qualified Mortgage Satisfied C A C A CMPATRQM2904 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; is not a Qualified Mortgage. No Loan does not qualify for QM Safe Harbor based on calculated DTI > 43%. 6/16/21: Lender provided the 2/8/21 credit report with revised date of 3/8/21 listing the same debts as previously calculated.  6/17/21: Lender response regarding rental income calculation of less than 2 yrs as owned less than 2 years. Upon further review and calculation revised DTI is 42.72%. 6/16/21: Exception remains.6/17/21: Exception satisfied.  (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 9 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent overall credit history.
XXXXXX OBX2021J30084 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B C A A A C B C B C A A A C B Compliance Federal Consumer Protection Waived B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same  6/2/21: Client agreed to waive non material compliance exceptions. 6/2/21: Exception waived. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 9 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent overall credit history.
XXXXXX OBX2021J30084 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B C A A A C B C B C A A A C B Credit Credit/Mtg History Satisfied C A C A CRDCRMH1805 Debts/obligations not disclosed/accounted for at origination No Provide verification balance with XXX is $4,486.00 as stated on final 1003 to confirm is less than 10 payments to allow omission from debts.  Credit report 2/8/21 lists balance of $6,342.00. 6/7/21: Lender provided the credit supplement confirming XXX with balance of $4,486; sufficient evidence to omit payment based on less than 10 remaining. 6/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 9 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent overall credit history.
XXXXXX OBX2021J30084 XXXXXX TX QM: Safe Harbor QM: Safe Harbor C B C A A A C B C B C A A A C B Credit DTI Satisfied B A B A CRDDTI105 Debt Ratio Exception 5% or Less No DTI calculated at 44.03%.  Subject PITI $6,451.63 + debts $242 + negative rents $956.80 = $7,650.43.  Income B1 $10,833.34 + B2 $6,541.75 = $17,375.09.  Lender DTI 42.91% using negative rent of $670.95.  6/16/21: Lender provided the 2/8/21 credit report with revised date of 3/8/21 listing the same debts as previously calculated.  No change in DTI of 44.03%. 6/17/21: Lender response regarding rental income calculation of less than 2 yrs as owned less than 2 years. Upon further review and calculation revised DTI is 42.72%. 6/16/21: Exception remains. 6/17/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 9 years.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has excellent overall credit history.
XXXXXX OBX2021J30087 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Legal Documents Satisfied D A D A CRDLGL100 Legal document incorrect or incomplete No Missing page 2 of insurance declaration page specifying Payee 5/19/21:  Lender provided HOI declaration policy, however document corrupted unable to view.5/26/21: Lender provided the complete viewable HOI page. 5/19/21: Exception remains. 5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1742: Consumer credit history exceeds guidelines
- Clayton Comments:  Borrowers have 99 months 0 x 30 on a mortgage current, 24 months required.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession: borrower 30 years, co-borrower 20 years

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job 13 years
XXXXXX OBX2021J30376 XXXXXX OR QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 30 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 748 with a minimum credit score of 700.
XXXXXX OBX2021J30088 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Legal Documents Satisfied D A D A CRDLGL100 Legal document incorrect or incomplete No Lender provided title commitment that was missing all signatures and dated XXX with note date of XXX. Provide updated fully signed title commitment within 60 days of note date.   07.02.21 - Lender provided Complete Title and schedules without any blank lines. 07.07.21 - Exception satisfied (No Data) Not Applicable CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  44.35% is below the maximum of 75%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 30.87% is 9.13 points below the maximum allowable DTI of 40%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 686 is 6 points above the minimum required score of 700.
XXXXXX OBX2021J30122 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower had a DTI of 39%. Guideline requirement is 43%.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrowers have owned subject residence for 44 years.
XXXXXX OBX2021J30097 XXXXXX MN QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS as required by guidelines. 6/8/21: Lender provided the AUS DU A/I findings report. 6/8/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has stable employment as the XXX, for the past 10 years; with 12+ years in the industry.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 17.31% < guideline max of 40%
XXXXXX OBX2021J30107 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 6/15/21: Lender provided the borrower signed authorization to close the HELOC with XXX. 6/15/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 743 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 23.06% below maximum allowed of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 30.70% below maximum allowed of 80%
XXXXXX OBX2021J30107 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower. 6/15/21: Lender provided the borrower signed authorization to close the HELOC with XXX. 6/15/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 743 exceeds guidelines.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI at 23.06% below maximum allowed of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 30.70% below maximum allowed of 80%
XXXXXX OBX2021J30108 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with UMB #XXX has been paid and closed to future draws, authorization to close account must be signed by borrower.  6/23/21: Lender provided the borrower signed authorization to close the HELOC with UMB #XXX account. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX. Cash required to close $0. Cash back $59,395.12. Post close reserves are $76,972.80. Reserves required $3869.48 x 6 = $23,216.88.Excess Post-closing reserves of $53,755.92.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.04% is 17.96 below the maximum of 75%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 785 is 85 points above the minimum required score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.01% is 5.99 points below the maximum allowable DTI of 40%.
XXXXXX OBX2021J30108 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Right of Rescission  Waived B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue.  6/18/21: Client agreed to waive non-material compliance exceptions. 6/18/21: Exception waived. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX. Cash required to close $0. Cash back $59,395.12. Post close reserves are $76,972.80. Reserves required $3869.48 x 6 = $23,216.88.Excess Post-closing reserves of $53,755.92.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.04% is 17.96 below the maximum of 75%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 785 is 85 points above the minimum required score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.01% is 5.99 points below the maximum allowable DTI of 40%.
XXXXXX OBX2021J30108 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account must be signed by borrower.  6/23/21: Lender provided the borrower signed authorization to close the HELOC with XXX account. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX. Cash required to close $0. Cash back $59,395.12. Post close reserves are $76,972.80. Reserves required $3869.48 x 6 = $23,216.88.Excess Post-closing reserves of $53,755.92.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.04% is 17.96 below the maximum of 75%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 785 is 85 points above the minimum required score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.01% is 5.99 points below the maximum allowable DTI of 40%.
XXXXXX OBX2021J30108 XXXXXX CO QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Terms/Guidelines Satisfied C A C A CRDTER3122 Loan documents do not meet guideline requirements No Guidelines require that the title report be within 60 days of note date. Title report dated XXX. Provide updated title report.  6/23/21: Lender provided the updated title commitment XXX. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX. Cash required to close $0. Cash back $59,395.12. Post close reserves are $76,972.80. Reserves required $3869.48 x 6 = $23,216.88.Excess Post-closing reserves of $53,755.92.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 57.04% is 17.96 below the maximum of 75%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 785 is 85 points above the minimum required score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.01% is 5.99 points below the maximum allowable DTI of 40%.
XXXXXX OBX2021J30121 XXXXXX CA QM: Safe Harbor QM: Safe Harbor A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  34.61% DTI is below guideline maximum of 40%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  61.08 months reserves exceed guideline minimum of 6 months.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower 1 on same job for 13 years, Borrower 2 for 18 years.
XXXXXX OBX2021J30130 XXXXXX SC QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lenders QM Safe Harbor status designation. 6/9/21: Lender provided the QM Safe Harbor status designation. 66/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 33.29% is below guideline requirement of 40%

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.
XXXXXX OBX2021J30131 XXXXXX TN QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required per guidelines. 6/7/21: Lender provided the AUS DU A/I findings report. 6/7/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in current line of work for 5 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower credit score of 813 exceeds guideline requirement of 700 by 113 Points.
XXXXXX OBX2021J30135 XXXXXX TX QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Legal Documents Satisfied D A D A CRDLGL100 Legal document incorrect or incomplete No Principal reduction of $401.14 shown on the Closing Disclosure. A principal curtailment is not permitted on Primary Residence Texas Rate/Term Refinance loans. 6.11.2021 - Client provided LOX, PCCD, Copy of refund check $401.14 and proof of delivery. 6.11.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  797 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.75% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  57.73% LTV is below guideline maximum of 80%.
XXXXXX OBX2021J30134 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing statement from lender and/or borrower containing borrowers signatures authorizing the closure of the HELOC with XXX for future draws. 07.02.21 - Lender provided esigned HELOC authorization to close account. 07.06.21 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items on record.
XXXXXX OBX2021J30134 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing statement from lender and/or borrower containing borrowers signatures authorizing the closure of the HELOC with XXX. 07.02.21 - Lender provided esigned HELOC authorization to close account. 07.06.21 - Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has 10 years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items on record.
XXXXXX OBX2021J30207 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Legal Documents Satisfied D A D A CRDLGL100 Legal document incorrect or incomplete No Title commitment dated 2/5/21 is greater than 60 days from Note date XXX.  Provide an updated title commitment within 60 days of Note date. 6/9/21: Lender provided the final loan title policy. 6/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 790 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 35.45% with a max DTI of 43%.
XXXXXX OBX2021J30148 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No Missing the 2019 & 2018 IRS tax transcripts and the 2020 transcripts confirming no record found. 6/22/21: Lender provided the 2019 & 2018 IRS tax transcripts and the 2020 transcripts confirming no record found. 6/22/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 26.05%. Maximum guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has credit score of 770. Guideline requirement is 680.
XXXXXX OBX2021J30191 XXXXXX OR QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Appraised value of $XXX current as per appraisal dated XXX. 6.14.2021 - Client provided updated HMDA Tape 6.14.2021 - Exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current position for 13 Years and 6 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Credit score of 811 exceeds guideline requirements of 700 by 111 Points.
XXXXXX OBX2021J30191 XXXXXX OR QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS findings report as required per guidelines. 6/15/21: Lender provided the AUS findings report. 6/15/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current position for 13 Years and 6 Months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Credit score of 811 exceeds guideline requirements of 700 by 111 Points.
XXXXXX OBX2021J30196 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit Insurance Satisfied C A C A CRDINSR5351 Insurance Effective date is greater than the transaction date No Insurance effective date stated as XXX as per provided insurance documentation in file. 6/15/21: Lender provided the prior policy XXX 6/15/21: Exception satisfied. Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in line of work for 23 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Credit score of 786, exceeds guidelines minimum requirement of 700 by 86 Points.
XXXXXX OBX2021J30196 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit Title Satisfied C A C A CRDTIL875 Title Does Not Agree With Mortgage No Final Title policy amount of $XXX  per note. 6/15/21: Lender provided the title commitment with correct loan amount $XXX. 6/15/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in line of work for 23 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Credit score of 786, exceeds guidelines minimum requirement of 700 by 86 Points.
XXXXXX OBX2021J30243 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing signed authorization by the borrower of proof that HELOC has been paid and closed to future draws.  6/18/21: Lender provided the borrower signed authorization to close HELOC account. 6/18/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  725 credit score exceeds guideline minimum of 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 23 years.
XXXXXX OBX2021J30243 XXXXXX MA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing signed authorization by the borrower of proof that HELOC has been paid and closed to future draws.  6/18/21: Lender provided the borrower signed authorization to close HELOC account. 6/18/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  725 credit score exceeds guideline minimum of 700.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with current employer for 23 years.
XXXXXX OBX2021J30212 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  807 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  37.48% DTI is below guideline maximum of 40%.

CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has been in the same line of work for 26 years.
XXXXXX OBX2021J30216 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 773 with a minimum credit score of 700.

CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in Profession with 20 years.
XXXXXX OBX2021J30223 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property value is $XXX per appraisal dated XXX. 7.1.2021 - Client provided updated tape data 7.1.2021 - Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 23.45% is 19.55 points below the maximum allowable DTI of 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 775 is 75 points above the minimum required score of 700.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $361,170.15, with liquid assets of $XXX. Cash required to close $158,186.48. Post close reserves are $202,983.67. Reserves required $22,589.52Excess Post-closing reserves of $180,394.15.
XXXXXX OBX2021J30238 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) B B A A A A B B B B A A A A B B Compliance Federal Consumer Protection Waived B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Verified XXX are the same person per NLMS, exception should be waived. 6/22/21: Client agreed to waive non-material compliance exceptions. 6/22/21: Exception waived. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory credit per report pulled on 04/05/2021.

CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has 14 years in current profession per URLAs on record.
XXXXXX OBX2021J30244 XXXXXX NC QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) C A A A A A C A C A A A A A C A Compliance Right of Rescission  Satisfied C A C A CMPROR114 ROR - Right of Rescission not executed by all title holders No ROR for Borrower is missing from file. Only ROR provided is for NBS. 6.30.2021 - Client provided ROR for B1 6.30.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 798 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.78% with a max DTI of 43%.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has significant time at current job with 17.2 years.
XXXXXX OBX2021J30258 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 796 with a minimum credit score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 60.2% with a max LTV of 80%.
XXXXXX OBX2021J30277 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) B B A A A A B B B B A A A A B B Compliance Federal Consumer Protection Waived B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Confirmed via NMLS website that XXX are one in the same. 6/14/21: Client agreed to waive non-material compliance exceptions. 6/14/21: Exception waived. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has over 17 years in current profession.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 21.72% is below guideline maximum of 40.0%.
XXXXXX OBX2021J30297 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Compliance Federal Consumer Protection Waived B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No XXX are the same person. 7/19/21: Client agreed to waive non-material compliance exceptions. 7/19/21: Exception waived. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has eight years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on either credit report.
XXXXXX OBX2021J30297 XXXXXX CO QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Credit Application Satisfied D A D A CRDAPP130 Application is incomplete No Missing initial application (1003 URLA) that is sign and dated for XXX 7/21/21: Lender provided the initial signed/dated 1003. 7/21/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has eight years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on either credit report.
XXXXXX OBX2021J30311 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) C B C A A A B B C B C A A A B B Compliance Federal Consumer Protection Waived B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Missing middle name in documents provided XXX verified via NMLS site, same person. 6/21/21: Client agreed to waive non material compliance exceptions. 6/21/21: Exception waived. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified assets/reserves $XXX exceeds the minimum required of $XXX.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit report on record, no major occurrences within the recent two years.
XXXXXX OBX2021J30311 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) C B C A A A B B C B C A A A B B Compliance Right of Rescission  Satisfied B B B B CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor No Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form.  Regulation Z has language allowing the use of a substantially similar notice.  Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument.  The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. 6.23.2021 - Client provided correct version of NORTCs to all Borrower's and proof of delivery. 6.23.2021- Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified assets/reserves $XXX exceeds the minimum required of $XXX.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit report on record, no major occurrences within the recent two years.
XXXXXX OBX2021J30311 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) C B C A A A B B C B C A A A B B Credit HMDA Satisfied C A C A CRDHMDA5207 Total Loan Costs tape field does not match audit field Total Loan Costs No HMDA tape data provided total loan costs  6.23.2021- Updated tape provided. 6.23.2021- Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Verified assets/reserves $XXX exceeds the minimum required of $XXX.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit report on record, no major occurrences within the recent two years.
XXXXXX OBX2021J30342 XXXXXX OR QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required per guidelines. 8/4/21: Lender provided the AUS findings report.  8/4/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  799 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  32.84% DTI is below guideline maximum of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  70.23% LVT is below guideline maximum of 75%.
XXXXXX OBX2021J30333 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower.  7/21/21: Lender provided the borrower signed authorization to close the HELOC with XXX.  7/21/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has over 12 years in current profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have resided in current residence for 6 years.
XXXXXX OBX2021J30333 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Compliance Compliance Manual Satisfied D A D A CMPMAN2478 Missing Legal Documentation No Title commitment dated XXX as required. 7/20/21: Lender provided the final title policy. 7/20/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has over 12 years in current profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have resided in current residence for 6 years.
XXXXXX OBX2021J30333 XXXXXX CA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account to be signed by borrower.  7/21/21: Lender provided the borrower signed authorization to close the HELOC with XXX 7/21/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has over 12 years in current profession.

CFCFS1736: Significant time at current residence
- Clayton Comments:  The borrowers have resided in current residence for 6 years.
XXXXXX OBX2021J30363 XXXXXX TX QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 755 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 27.55% with a max DTI of 40%.
XXXXXX OBX2021J30370 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account signed by borrower. 7/20/21: Lender provided the signed authorization to close the HELOC with XXX.  7/20/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 810 with a minimum credit score of 700.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good history with no late payments stated on Credit Report.
XXXXXX OBX2021J30370 XXXXXX CA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close account signed by borrower. 7/20/21: Lender provided the signed authorization to close the HELOC with XXX 7/20/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 810 with a minimum credit score of 700.

CFCFS2860: Good credit history
- Clayton Comments:  Borrower has good history with no late payments stated on Credit Report.
XXXXXX OBX2021J30377 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No  Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 10 years in respective professions.
XXXXXX OBX2021J30377 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP3822 Missing or incomplete documentation related to citizenship/residency No Missing one of the following; Permanent Resident Card - Form I-551, Application to Renew or Replace Permanent Resident Card - Form I-90, and/or Passport/Arrival Departure Record - Form I-94/I94A, I-94W OR I-95 for both borrower as they are Permanent Residents per URLAs on record. 07.06.21 - Lender provided valid Permanent resident card for borrowers. 07.07.21 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 10 years in respective professions.
XXXXXX OBX2021J30377 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Income/Employment Satisfied B A B A CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No Missing VVOE from XXX previous employer (XXX) in order to meet 2 yr work history requirement per investor guidelines (XXX). Current employment date XXX. 07.06.21 - Lender provided Verification of employment for borrowers previous job. 07.07.21 - Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory items per credit report.

CFCFS2854: Significant time in profession
- Clayton Comments:  Both borrowers have over 10 years in respective professions.
XXXXXX OBX2021J30413 XXXXXX TX QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No  Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Borrower has significant time in Profession with 14 years.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has significant time at current residence with 7 years.

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history with no late payments showing on credit reports.
XXXXXX OBX2021J30499 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No  Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  820 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.61% DTI is below guideline maximum of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  51.45 months reserves exceed guideline minimum of 6 months.
XXXXXX OBX2021J30499 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No  Seller RE Commissions fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  820 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  27.61% DTI is below guideline maximum of 43%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  51.45 months reserves exceed guideline minimum of 6 months.
XXXXXX OBX2021J30316 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Compliance Ability to Repay/Qualified Mortgage Satisfied A A A A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing Verbal VOEs dated within 10 business days of the note date for XXX 6/21/21: Lender provided the Verbal VOEs dated within 10 business days of the note date for XXX 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory credit.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI: 13.42 / Lender Max: 43
XXXXXX OBX2021J30316 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Application Satisfied D A D A CRDAPP4625  The orig file does not contain a third party fraud report No Missing Fraud Report. 6/21/21: Lender provided the third party fraud report for each borrower. 6/21/21: Exception satisfied. Not Applicable Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory credit.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI: 13.42 / Lender Max: 43
XXXXXX OBX2021J30316 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Income/Employment Satisfied C A C A CRDINC2488 Verbal verification of employment missing No Missing Verbal VOEs dated within 10 business days of the note date for XXX; XXX 6/21/21: Lender provided the Verbal VOEs dated within 10 business days of the note date for XXX 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS2860: Good credit history
- Clayton Comments:  No derogatory credit.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI: 13.42 / Lender Max: 43
XXXXXX OBX2021J30231 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX does not match audit field Appraised Value $XXX. 6/16/21: Lender provided HMDA data confirming value. 6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  771 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.53% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  45.85% LTV is below guideline maximum of 80%.
XXXXXX OBX2021J30231 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing AUS findings report as required per guidelines. 6/16/21: Lender provided the AUS findings report. 6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  771 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  23.53% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  45.85% LTV is below guideline maximum of 80%.
XXXXXX OBX2021J30239 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) C A A A A A C A C A A A A A C A Compliance Right of Rescission  Satisfied C A C A CMPROR114 ROR - Right of Rescission not executed by all title holders No Missing ROR for co-borrower 6.21.2021 - Client provided ROR for both borrowers. 6.21.2021 - Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 14.49% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 60.533% with a max LTV of 80%.
XXXXXX OBX2021J30051 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D B D A D A C B D B D A D A C B Compliance Finance Charge Tolerance Satisfied C B C B CMPFINT106 Finance charge understated by more than $100 (Pmt Stream) No Final CD XXX discloses finance charge as $776118.82.  Review calculates finance charge to be $779485.13.  This is a difference of $3366.31.  Review calculates are including Per Diem interest of $3841.31 for 3/1/2021 - 4/1/2021.  Final CD shows this figure as $0. 4.1.2021 - Client provided true and correct final CD XXX correcting per diem section.  This cures  finance charge section. 4.1.2021 Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $304,733.27. Months reserves required $126,689.16.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.
XXXXXX OBX2021J30051 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D B D A D A C B D B D A D A C B Compliance Finance Charge Tolerance Satisfied C B C B CMPFINT4372 TILA/TRID-Disclosed Amount Financed is higher than Claytons calculated Amount Financed No Final CD XXX discloses amount financed as $1,644,328.73.  Review calculates this to be $1,640,962.42.  This is a difference of $3,366.31.  Review calculates are including Per Diem interest of $3,841.31 for 3/1/2021 - 4/1/2021.  Final CD shows this figure as $0. 4.1.2021 - Client provided true and correct final CD XXX correcting per diem section.  This cures amount financed section. 4.1.2021 Exception satisfied. Numeric Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $304,733.27. Months reserves required $126,689.16.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.
XXXXXX OBX2021J30051 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D B D A D A C B D B D A D A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3604 TRID - Error discovered on Closing Disclosure No Final CD XXX(1) Projected payments section - missing years of mortgage (1-30) (2) Other costs - section F prepaids - Pre paid interest does not provide an amount, however, it is showing per diem interest from 3/1/2021 - 4/1/2021 @ $124.08/day. (3) Loan disclosures - escrow account:  "Will have" an escrow account is marked; no values entered.  Under "No escrow" section estimated property costs over year 1 is listed as $42,173.56.  Per loan costs section, this loan does not have escrow. 4.1.2021 - Client provided true and correct final CD XXX correcting projected payments section, Other costs section, and Loan disclosure section. 4.1.2021 Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $304,733.27. Months reserves required $126,689.16.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.
XXXXXX OBX2021J30051 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D B D A D A C B D B D A D A C B Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing the lenders QM Safe Harbor status designation. 4/23/21: Lender provided the 1008 listing Loan is QM with ATR Established.  Missing "Safe Harbor" status.5/7/21: Lender provided the 1008 listing Loan is QM with ATR Established.  Missing "SAFE HARBOR" status.5/26/21: Lender provided the QM Safe Harbor status designation. 4/23/21: Exception remains.5/7/21: Exception remains.5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $304,733.27. Months reserves required $126,689.16.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.
XXXXXX OBX2021J30051 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D B D A D A C B D B D A D A C B Credit Application Satisfied N/A A N/A A CRDAPP2298 Missing Second Appraisal No Missing the second full appraisal as required on loan amount > $XXX. 3/24/21: Lender provided CDA for the $XXX previously in file. Still missing second full appraisal.6/15/21: Lender provided a 1003 & 1008 previously in file, still missing second full appraisal.6/15/21: Lender provided the second full appraisal as required by guidelines that supports the appraised value. 3/24/21: Exception remains.6/15/21: Exception remains.6/15/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $304,733.27. Months reserves required $126,689.16.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.
XXXXXX OBX2021J30051 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D B D A D A C B D B D A D A C B Credit Insurance Satisfied C A C A CRDINSR289 Insufficient Hazard Insurance Coverage No Insufficient hazard insurance coverage verified.  Provide the Replacement Cost Estimate. 3/24/21; Lender provided the HOI policy previously in file, emails requesting the RCE.  Still missing the RCE.6/15/21: Lender provided the HOI RCE, sufficient coverage verified. 3/24/21: Exception remains.6/15/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $304,733.27. Months reserves required $126,689.16.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.
XXXXXX OBX2021J30051 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D B D A D A C B D B D A D A C B Credit Legal Documents Satisfied D A D A CRDLGL2864 Copy of Mortgage/Deed in file is incomplete No Notary date is missing from mortgage. 4/1/21: Lender provided the Mortgage notary date. 4/1/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $304,733.27. Months reserves required $126,689.16.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.
XXXXXX OBX2021J30051 XXXXXX FL QM: Safe Harbor QM: Safe Harbor D B D A D A C B D B D A D A C B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing CDA for appraisal XXX.CDA provided in file for appraisal XXX 3/24/21: Lender provided the CDA with value $XXX. 3/24/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  Reserves verified of $304,733.27. Months reserves required $126,689.16.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been at current job for 14 years.
XXXXXX OBX2021J30073 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing the complete 2019 & 2018 1040 tax returns.2. Missing the complete 2019 & 2018 1120S business tax returns with K1's.3. Missing the complete 2019 & 2018 1065 business tax returns with K1's.4. Missing verification of taxes and insurance for REO on XXX5. Missing verification of taxes for REO land on XXX. 6/15/21: Lender provided complete 2019 & 2018 1040 tax returns, the complete 2019 & 2018 1120S business tax returns with K1's and the complete 2019 & 2018 1065 business tax returns with K1's.  Lender provided the verification of taxes and insurance for REO on XXX $2314.06 PITIA and verification of taxes for REO land on XXX $9.05. 6/15/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been XXX at current job for 16 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 780 exceeds guidelines.
XXXXXX OBX2021J30073 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No 1. Missing verification of taxes and insurance for REO on XXX.2. Missing verification of taxes for REO land on XXX 6/15/21: Lender provided the verification of taxes and insurance for REO on XXX $2314.06 PITIA and verification of taxes for REO land on XXX $9.05. 6/15/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been XXX at current job for 16 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 780 exceeds guidelines.
XXXXXX OBX2021J30073 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No 1. Missing the complete 2019 & 2018 1040 tax returns.2. Missing the complete 2019 & 2018 1120S business tax returns with K1's.3. Missing the complete 2019 & 2018 1065 business tax returns with K1's. 6/15/21: Lender provided complete 2019 & 2018 1040 tax returns, the complete 2019 & 2018 1120S business tax returns with K1's and the complete 2019 & 2018 1065 business tax returns with K1's. 6/15/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been XXX at current job for 16 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 780 exceeds guidelines.
XXXXXX OBX2021J30073 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL100 Legal document incorrect or incomplete No Title Commitment dated 1/28/21 is greater than 60 days from Note date XXX.  Provide an updated title commitment. 6/23/21: Lender provided the final title policy. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been XXX at current job for 16 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 780 exceeds guidelines.
XXXXXX OBX2021J30267 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property value of $XXX per appraisal date XXX concurrent with desk review value of $XXX. 5/26/21: Lender provided the tape data confirming property value $XXX. 5/26/21: Exception satisfied. (No Data) Not Applicable CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower has been at current residence for 6 Years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has credit score of 815.
XXXXXX OBX2021J30285 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No No Initial CD provided in file. Disclosure Tracking Summary shows Initial CD delivered and received XXX. Please provide Initial CD. 6.23.2021 - Client provided Initial CD XXX 6.23.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 802 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.27% with a max DTI of 43%.
XXXXXX OBX2021J30285 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Lender status stated as "Loan is QM with ATR Established", missing lenders QM Safe Harbor status designation. 6/23/21: Lender provided the 1008 stating "Loan is QM with ATR Established", still missing lenders QM Safe Harbor status designation.7/22/21: Lender provided the QM Safe Harbor status designation. 6/23/21: Exception remains.7/22/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 802 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.27% with a max DTI of 43%.
XXXXXX OBX2021J30285 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field of $XXX does not match audit field Appraised value of $XXX.  7/7/21: Lender provided the HMDA data confirming value. 7/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 802 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.27% with a max DTI of 43%.
XXXXXX OBX2021J30285 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A C A D A D A A A C A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing required AUS for file.  6/23/21: Lender provided the AUS findings report. 6/23/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 802 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 32.27% with a max DTI of 43%.
XXXXXX OBX2021J30394 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B A B A A D A D B A B A A D A Compliance Federal Consumer Protection Satisfied C A C A CMPFDCP2109 ROR - Unknown latest TIL date; cannot determine whether borrower was provided their full rescission period No Missing Final CD 8.10.2021 - Client provided Final CD 8.10.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 768 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 35.84% with a max DTI of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 66.17% with a max CLTV of 75%.
XXXXXX OBX2021J30394 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B A B A A D A D B A B A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID3496 TRID - Closing Disclosure Missing No Missing Initial CD issued XXX and Final CD per Disclosure Tracking Summary   8.10.2021 - Client provided Initial and Final CD 8.10.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 768 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 35.84% with a max DTI of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 66.17% with a max CLTV of 75%.
XXXXXX OBX2021J30394 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B A B A A D A D B A B A A D A Credit Assets Waived N/A B N/A B CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Added 8/26/21: Non-material exception required due to insufficient reserves. Borrower has 7.61mo reserves and 9 required.  8/26/21: Client agreed to waive non-material asset condition 8/26/21: Exception waived. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 768 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 35.84% with a max DTI of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 66.17% with a max CLTV of 75%.
XXXXXX OBX2021J30246 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 11.68%. guideline requirement is 45%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has credit score of 795. Guideline requirement is 680.
XXXXXX OBX2021J30337 XXXXXX AZ QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) A A A A A A A A A A A A A A A A                               CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 746 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 39.46% with a max DTI of 43%.

CFCFS2860: Good credit history
- Clayton Comments:  Good credit history with no late payments on credit history.
XXXXXX OBX2021J30442 XXXXXX AZ QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A C A D A A A D A C A D A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No The sales value is $XXX and the appraised value is $XXX per appraisal documents on file. 8/9/21: Lender provided the HMDA data confirming value $XXX. 8/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 800. guideline requirement is 650.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked 10 years 8 months at current job.
XXXXXX OBX2021J30442 XXXXXX AZ QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A C A D A A A D A C A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing CDA to support original appraisal value. 8/9/21: Lender provided the Notice of Right to Receive Copy of Written Appraisal/Valuation.  Still missing the CDA to support the appraised value. 8/16/21: Lender provided the CDA that supports the appraised value. 8/9/21: Exception remains. 8/16/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 800. guideline requirement is 650.

CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has worked 10 years 8 months at current job.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No 1. Missing the signed complete 2019 & 2018 1120S business tax returns with K1's. 2. Missing the signed pages for the 2020 & 2019 1040 tax returns. 3. Missing the last two years K1's from minority interest businesses listed on the 1003.4. Missing verification of PITIA for REO on XXX.  Unable to calculate business income and net rental income, additional conditions may apply. 6/21/21: Lender provided the signed complete 2019 & 2018 1120S business tax returns with K1's, the signed pages for the 2020 & 2019 1040 tax returns, the two years 1040 & 1120S IRS tax transcripts and the last two years K1's from minority interest businesses.Lender provided the verification of PITIA for REO on XXX of $1600.36 per month. 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance RESPA Satisfied D A D A CMPRESPA3012 RESPA - Missing list of Settlement Service Providers No  Missing list of Settlement Service Providers 6.21.2021 - Client provided SPL 6.21.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance RESPA Waived B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file  06.07.2021 -Client agreed to waive non-material compliance exceptions.  06.07.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No  Affiliate Business Disclosure missing  6.7.2021- Client agreed to waive non-material compliance exceptions.  6.7.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No Zero tolerance fail for $658.10 for increase in extension fee.  No COC was provided disclosing increase.  Borrower is due a refund of $658.10, LOX, PPCD, and proof of delivery. 6.21.2021 - Client provided COC for change in loan amount and updated rate with points. 6.21.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Missing seller CD. 6.21.2021 - Client provided Seller CD 6.21.2021 - Exception satisfied Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Ability to Repay/Qualified Mortgage Satisfied C A C A CRDATRQM3124 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. No Missing lenders QM Safe Harbor status determination. 6/21/21: Lender provided the QM Safe Harbor status determination. 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Assets Satisfied C A C A CRDAST205 Insufficient Funds to Close No Verified assets $XXX.  Funds to close $XXX leaving funds short to close of $XXX. 6/21/21: Lender provided updated statement from XXX 5/4/21 and XXX 4/30/21 confirming sufficient fund to close and reserves of $158,784.68.  6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Assets Satisfied C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Verified assets $XXX with funds to close $359,845.73.  Required reserves of $48,272.40 and funds short to close of $34,974.97 for a total of $83,247.37.  6/21/21: Lender provided updated statement from XXX 5/4/21 and XXX 4/30/21 confirming sufficient fund to close and reserves of $158,784.68.  6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of PITIA for REO on XXX.  Unable to determine net rental income, additional conditions may apply. 6/21/21: Lender provided the verification of PITIA for REO on XXX of $1600.36 per month. 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX (purchase price) does not match audit field Appraised Value $XXX. 6/21/21: Lender provided the HMDA data confirming value. 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied B A B A CRDINC2496 Verbal verification of employment completed outside the stated requirements and/or after closing/funding No VVOE in file missing third party verification of business. 6/21/21: Lender provided the VVOE with third party business verification. 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Income/Employment Satisfied D A D A CRDINC2408 Income verification does not meet guidelines No 1. Missing the signed complete 2019 & 2018 1120S business tax returns with K1's.2. Missing the signed pages for the 2020 & 2019 1040 tax returns.3. Missing the two years 1040 & 1120S IRS tax transcripts as required per guidelines.4. Missing the last two years K1's from minority interest businesses listed on the 1003. 6/21/21: Lender provided the signed complete 2019 & 2018 1120S business tax returns with K1's, the signed pages for the 2020 & 2019 1040 tax returns, the two years 1040 & 1120S IRS tax transcripts and the last two years K1's from minority interest businesses. 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30271 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Insurance Satisfied D A D A CRDINSR2400 Missing Flood Certification Document No No Flood Cert on file. 6/21/21: Lender provided the Flood Cert. 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 808. guideline requirement is 680.

CFCFS1740: Mortgage payment history exceeds guidelines
- Clayton Comments:  Borrower has a good mortgage payment history. guideline requirements is 24 months. Months verified is 90 months of mortgage payment history.
XXXXXX OBX2021J30388 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data) (No Data) (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX, with liquid assets of $XXX. Cash required to close $563,611.89. Post close reserves are $248,095.92. Reserves required $5019.91 x 6 = $30,119.46. Excess Post-closing reserves of $217,976.46.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has bonus income not used to qualify: 2021 $23,250, 2020 $60,000, 2018 $4,106.40. B2 has pension income verified of $4,555.16/month not used to qualify.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 758 is 58 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  54% is 26 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.08% is 8.92 points below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30388 XXXXXX TX QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Legal Documents Satisfied D A D A CRDLGL2550 Missing HUD-1 from sale of property No Missing final signed HUD from sale of property located at XXX. 6/25/21: Lender provided the signed HUD from sale of property located at XXX. 6/25/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX, with liquid assets of $XXX. Cash required to close $563,611.89. Post close reserves are $248,095.92. Reserves required $5019.91 x 6 = $30,119.46. Excess Post-closing reserves of $217,976.46.

CFCFS1749: Additional documented income not used in qualifying
- Clayton Comments:  B1 has bonus income not used to qualify: 2021 $23,250, 2020 $60,000, 2018 $4,106.40. B2 has pension income verified of $4,555.16/month not used to qualify.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 758 is 58 points above the minimum required score of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of  54% is 26 below the maximum of 80%.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 34.08% is 8.92 points below the maximum allowable DTI of 43%.
XXXXXX OBX2021J30380 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Compliance Federal Consumer Protection Waived B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No XXX are the same person per NMLS. 6/18/21: Client agreed to waive non-material compliance exceptions. 6/18/21: Exception waived. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per WVOE on record, borrower started employment on XXX.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit report on record, borrower has not had any major mortgage related occurrences.
XXXXXX OBX2021J30380 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No  Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per WVOE on record, borrower started employment on XXX.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit report on record, borrower has not had any major mortgage related occurrences.
XXXXXX OBX2021J30380 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required per guidelines. 6/28/21: Lender provided the AUS findings report. 6/28/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Per WVOE on record, borrower started employment on XXX.

CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years
- Clayton Comments:  Per credit report on record, borrower has not had any major mortgage related occurrences.
XXXXXX OBX2021J30261 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B A A D A C B D B A A D A C B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliate Business Disclosure missing  7.30.2021 -Clayton determined compliance exception to be non-material and the client agreed to waive. 7.30.2021 - Exception waived (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 36 years and 8 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 credit score exceeds guideline minimum of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  47.64% LTV is below guideline maximum of 75%.
XXXXXX OBX2021J30261 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B A A D A C B D B A A D A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C B C B CMPTRID3670 TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation No $18.37 refund due to increase in Loan points from $XXX. Missing CIC for increase in loan points or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. 8.18.2021 - Client provided PCCD, proof of delivery, LOX and copy of refund check $18.37. 8.18.2021 - Exception satisfied (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 36 years and 8 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 credit score exceeds guideline minimum of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  47.64% LTV is below guideline maximum of 75%.
XXXXXX OBX2021J30261 XXXXXX WA QM: Safe Harbor QM: Safe Harbor D B A A D A C B D B A A D A C B Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated CDA to support the appraised value. 08.05.21 - Lender provided CDA. 08.06.21 - Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been with the same employer for 36 years and 8 months.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  803 credit score exceeds guideline minimum of 700.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  47.64% LTV is below guideline maximum of 75%.
XXXXXX OBX2021J30254 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing current YTD Balance sheet for B2 Schedule C business.  6/21/21: Lender provided the 4/10/21 P&L and Balance Sheet for B2 Schedule C business. 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Credit score of 805 exceeds guideline requirements of 700 by 105 points.
XXXXXX OBX2021J30254 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Income/Employment Satisfied D A D A CRDINC3260 Balance Sheet missing for one or more Self Employed borrowers No Missing current YTD Balance sheet for B2 Schedule C business.  6/21/21: Lender provided the 4/10/21 P&L and Balance Sheet for B2 Schedule C business. 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Credit score of 805 exceeds guideline requirements of 700 by 105 points.
XXXXXX OBX2021J30254 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR167 Appraisal not Signed No Missing Appraiser's signature as required per guidelines. 6/21/21: Lender provided the signed appraisal. 6/21/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has been employed at current job for 8 years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower Credit score of 805 exceeds guideline requirements of 700 by 105 points.
XXXXXX OBX2021J30218 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing signatures on all tax returns and evidence of HELOC closure.  6/24/21: Lender provided the payment history from HELOC.  Still missing the signed authorization to close the HELOC with XXX7.27.21: Lender provided letter for Line of credit termination to XXX, signed by borrowers. 6/24/21: Exception remains.7.29.21:  Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX, with liquid assets of $XXX. Cash required to close $131,323.29. Post close reserves are $849,807.30. Reserves required $8675.82 x 12 = $104,109.84 + XXX $23,537 + 23,537= $151,183.84.Excess Post-closing reserves of $698,623.46.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 747 exceeds the minimum required score of 700.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $7971.69 + $1991.37; Subject PI is $6882.55. Monthly savings of $3080.51.
XXXXXX OBX2021J30218 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance Compliance Manual Satisfied D A D A CMPMAN2956 Missing disclosure No Disclosure Tracking Summary shows Initial CD dated XXX issued.  This CD is missing from file. 6.25.2021 - Client provided Missing Initial CD XXX. However upon receipt of Disclosure tracking summary a PCCD was issued XXX however was not provided. Please provided PCCD XXX.07.07.21 - Client provided PCCD dated XXX 6.25.2021 - Exception remains.07.07.21 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX, with liquid assets of $XXX. Cash required to close $131,323.29. Post close reserves are $849,807.30. Reserves required $8675.82 x 12 = $104,109.84 + XXX $23,537 + 23,537= $151,183.84.Excess Post-closing reserves of $698,623.46.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 747 exceeds the minimum required score of 700.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $7971.69 + $1991.37; Subject PI is $6882.55. Monthly savings of $3080.51.
XXXXXX OBX2021J30218 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No CD issued XXX with a closing date of XXX.  Loan closed prior to the end of waiting period; 3 day waiting period not met. 6.25.2021 - Client provided Missing Initial CD XXX. 6.25.2021 - Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX, with liquid assets of $XXX. Cash required to close $131,323.29. Post close reserves are $849,807.30. Reserves required $8675.82 x 12 = $104,109.84 + XXX $23,537 + 23,537= $151,183.84.Excess Post-closing reserves of $698,623.46.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 747 exceeds the minimum required score of 700.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $7971.69 + $1991.37; Subject PI is $6882.55. Monthly savings of $3080.51.
XXXXXX OBX2021J30218 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX does not match audit field Appraised Value $XXX. 7.28.21 - HMDA Tape provided 7.28.21 - Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX, with liquid assets of $XXX. Cash required to close $131,323.29. Post close reserves are $849,807.30. Reserves required $8675.82 x 12 = $104,109.84 + XXX $23,537 + 23,537= $151,183.84.Excess Post-closing reserves of $698,623.46.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 747 exceeds the minimum required score of 700.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $7971.69 + $1991.37; Subject PI is $6882.55. Monthly savings of $3080.51.
XXXXXX OBX2021J30218 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit HMDA Satisfied N/A A N/A A CRDHMDA5207 Total Loan Costs tape field does not match audit field Total Loan Costs No  Total Loan Costs tape field $XXX does not match audit field Total Loan Costs $XXX. 7.28.2021 - Client provided PCCD XXX which matches tape value of Loan costs of $XXX. 7.28.2021 - Exception satisfied (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX, with liquid assets of $XXX. Cash required to close $131,323.29. Post close reserves are $849,807.30. Reserves required $8675.82 x 12 = $104,109.84 + XXX $23,537 + 23,537= $151,183.84.Excess Post-closing reserves of $698,623.46.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 747 exceeds the minimum required score of 700.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $7971.69 + $1991.37; Subject PI is $6882.55. Monthly savings of $3080.51.
XXXXXX OBX2021J30218 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Income/Employment Satisfied D A D A CRDINC3204 Income Documentation Missing No Missing signatures for the 2019, 2018 and 2017 personal tax return and 2018 & 2019 business tax returns for XXX. 6/25/21: Lender provided the complete 2019, 2018 and 2017 personal tax return and 2018 & 2019 business tax returns for XXXX, XXX.  Still missing the Signatures on these tax returns.7/22/21: Lender provided the signatures for tax returns for XXX. The business returns for XXXX was not used to qualify. 6/25/21: Exception remains.7/22/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX, with liquid assets of $XXX. Cash required to close $131,323.29. Post close reserves are $849,807.30. Reserves required $8675.82 x 12 = $104,109.84 + XXX $23,537 + 23,537= $151,183.84.Excess Post-closing reserves of $698,623.46.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 747 exceeds the minimum required score of 700.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $7971.69 + $1991.37; Subject PI is $6882.55. Monthly savings of $3080.51.
XXXXXX OBX2021J30218 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No  Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close to be signed by borrower.  6/24/21: Lender provided the payment history from HELOC.  Still missing the signed authorization to close the HELOC with XXX07.27.21: Lender provided letter for Line of credit termination to XXX, signed by borrowers. 6/24/21: Exception remains.7.29.21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  $XXX in total assets documented. Effective amount is $XXX, with liquid assets of $XXX. Cash required to close $131,323.29. Post close reserves are $849,807.30. Reserves required $8675.82 x 12 = $104,109.84 + XXX $23,537 + 23,537= $151,183.84.Excess Post-closing reserves of $698,623.46.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 747 exceeds the minimum required score of 700.

CFCFS1746: Significant housing expense reduction
- Clayton Comments:  Current PI payment is $7971.69 + $1991.37; Subject PI is $6882.55. Monthly savings of $3080.51.
XXXXXX OBX2021J30429 XXXXXX AZ QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of PITIA for REO on XXX. Provide statement from XXX confirming payment $2228 is escrowed and confirm HOA fee $60. 07.28.21 - Lender provided mortgage statement from XXX ; shows confirmation of escrow. 07.29.21- Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 789 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 27.40% with a max DTI of 43%.
XXXXXX OBX2021J30429 XXXXXX AZ QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID3716 TRID - Curable issue related to the Closing Disclosure in file No Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.  (No Data) (No Data) (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 789 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 27.40% with a max DTI of 43%.
XXXXXX OBX2021J30429 XXXXXX AZ QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of PITIA for REO on XXX. Provide statement from XXX confirming payment $2228 is escrowed and confirm HOA fee $60. 07.28.21 - Lender provided mortgage statement from XXX. 07.29.21- Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 789 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 27.40% with a max DTI of 43%.
XXXXXX OBX2021J30429 XXXXXX AZ QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit HMDA Satisfied C A C A CRDHMDA5202 Street Address tape field does not match audit field Street Address No Street Address tape field does not match audit field Street Address 07.28.21 - Lender provided HMDA Data sheet with matching address. 07.29..21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 789 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 27.40% with a max DTI of 43%.
XXXXXX OBX2021J30429 XXXXXX AZ QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing CDA to support original Appraised value. 07.28.21 - Lender provided CDA with value that supports Original appraisal value. 07.29.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 789 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 27.40% with a max DTI of 43%.
XXXXXX OBX2021J30162 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance Borrower's Interest Satisfied D A D A CMPBI1179 MD DLLR - NTB Worksheet not in file No Maryland Net Tangible worksheet missing. 6/3/21: Lender provided the Maryland Net Tangible worksheet, signed by borrower. 6/3/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  776 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  25.63% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  30.88% LTV is below guideline maximum of 80%.
XXXXXX OBX2021J30160 XXXXXX MD QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Compliance Borrower's Interest Satisfied D A D A CMPBI1179 MD DLLR - NTB Worksheet not in file No MD DLLR - NTB Worksheet not in file  6/22/21: Lender provided the MD NTB worksheet signed and dated. 6/22/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 761 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.19% with a max DTI of 43%.
XXXXXX OBX2021J30160 XXXXXX MD QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Compliance RESPA Satisfied B A B A CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing. Section B on CD used XXXX. 6.22.2021 - Client provided Affiliated Business Disclosure 6.22.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 761 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.19% with a max DTI of 43%.
XXXXXX OBX2021J30160 XXXXXX MD QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Application Satisfied D A D A CRDAPP4625  The orig file does not contain a third party fraud report No Missing a required third party Fraud Report. 6/22/21: Lender provided the third party fraud report for each borrower. 6/22/21: Exception satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 761 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.19% with a max DTI of 43%.
XXXXXX OBX2021J30160 XXXXXX MD QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Assets Satisfied C A C A CRDAST115 Cash reserves do not meet guidelines No Cash reserves do not meet guidelines. Reserves required are $68,876.16. Short Reserves -$65,631.74. Missing Additional asset documentation from file.  6/22/21: Lender provided additional asset documentation to confirm total assets $XXX with reserves of $572,865.32. 6/22/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 761 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.19% with a max DTI of 43%.
XXXXXX OBX2021J30160 XXXXXX MD QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing required 1008 for file.  6/22/21: Lender provided the Underwriting Transmittal Summary 1008. 6/22/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 761 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.19% with a max DTI of 43%.
XXXXXX OBX2021J30160 XXXXXX MD QM: Safe Harbor QM: Safe Harbor (APOR) D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR275 Completed "Subject To" w/o Completion Cert in File No Completed "Subject To" w/out Completion Cert in File.  6/22/21: Lender provided the appraisal subject to that was previously in file.  Still missing the Appraisal Update/Completion Report.6/25/21: Lender provided the Appraisal Update/Completion Report with photos. 6/22/21: Exception remains.6/25/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 761 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 22.19% with a max DTI of 43%.
XXXXXX OBX2021J30322 XXXXXX DC QM: Safe Harbor QM: Safe Harbor (APOR) D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated valuation to support original appraisal value. 7/2/21: Lender provided the CDA that supports the appraised value. 7/2/21: Exception satisfied. (No Data) Not Applicable CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  XXX in total assets documented. Effective amount is $XXX, with liquid assets of $XXX. Cash required to close $0. Cash back at closing $419.69. Post close reserves are $194,357.16. Reserves required $4948.24 x 6 = $29,689.44.Excess Post-closing reserves of $164,667.72.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score of 804 is 104 points above the minimum required score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI of 21.05% is 21.95 points below the maximum allowable DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV of 77.57% is 2.43 below the maximum of 80%.
XXXXXX OBX2021J30213 XXXXXX MD QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing required AUS for file.  6/11/21: Lender provided the AUS findings report. 6/11/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 782 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 21.133% with a max DTI of 43%.
XXXXXX OBX2021J30514 XXXXXX VA QM: Safe Harbor QM: Safe Harbor C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field does $XXX (purchase price) not match audit field Appraised Value $XXX. 8/10/21: Lender provided the HMDA tape confirming value $XXX. 8/10/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  Borrower has 21.5 years at current job.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Qualifying credit score of 788 is above the required score.
XXXXXX OBX2021J30366 XXXXXX VA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D A A A D A A A D A A A D A A A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Missing updated CDA to support the appraised value. 7/7/21: Lender provided the CDA that supports the appraised value. 7/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  775 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  16.71% DTI is below guideline maximum of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  72% LTV is below guideline maximum of 80%.
XXXXXX OBX2021J30151 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance Borrower's Interest Satisfied D A D A CMPBI1179 MD DLLR - NTB Worksheet not in file No Maryland Net Tangible Benefit Worksheet not in file 5/7/21: Lender provided the Maryland Net Tangible Benefit Worksheet.  5/7/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has significant time at current job of 18 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.71% below guideline requirement of 43% by 8.29%
XXXXXX OBX2021J30151 XXXXXX MD QM: Safe Harbor QM: Safe Harbor D A A A A A D A D A A A A A D A Compliance Borrower's Interest Satisfied N/A A N/A A CMPBI1183 MD DLLR - NTB Worksheet not signed by borrower No 5/7/21: Lender provided the Maryland Net Tangible Benefit Worksheet however was not signed by borrower.  5/11/21: Lender provided the Maryland Net Tangible Benefit Worksheet. Document was not signed by borrower.  Provide the borrower signed Maryland Net Tangible Benefit Worksheet. 6/1/21: Lender provided the borrower signed Maryland Net Tangible Benefit Worksheet.   5/11/21: Exception remains.6/1/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has significant time at current job of 18 years

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 34.71% below guideline requirement of 43% by 8.29%
XXXXXX OBX2021J30106 XXXXXX NC QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Legal Documents Satisfied D A D A CRDLGL100 Legal document incorrect or incomplete No Title commitment is dated  XX/XX/XXXX and is greater than 60 days from Note date.  Provide the updated title commitment. 6/9/21: Lender provided the updated title commitment dated  XX/XX/XXXX. 6/9/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI 19.06% < guideline max 43%

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  cash reserves $757,519.15 exceeds minimum reserves required 6 months @ $7275.76 = $43,654.56
XXXXXX OBX2021J30240 XXXXXX NC QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing verification of taxes and insurance and confirmation of no lien for REO on XXX. 6/18/21: Lender provided the verification of taxes, insurance and confirmation of satisfied lien. 6/18/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 29.89%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 793. guideline requirement is 700.
XXXXXX OBX2021J30240 XXXXXX NC QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Compliance Compliance Manual Satisfied D A D A CMPMAN2956 Missing disclosure No Per Disclosure Tracking Summary, file is missing the revised LE dated XXX. 6.21.2021 - Client provided missing LE XXX 6.21.2021 - Exception satisfied (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 29.89%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 793. guideline requirement is 700.
XXXXXX OBX2021J30240 XXXXXX NC QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Seller CD is not in file. Please provide the Seller CD. 6.21.2021 - Client provided Seller CD 6.21.2021 - Exception satisfied Not Applicable Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 29.89%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 793. guideline requirement is 700.
XXXXXX OBX2021J30240 XXXXXX NC QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit DTI Satisfied D A D A CRDDTI2540 Missing verification of some or all components of non-subject PITI No Missing verification of taxes and insurance and confirmation of no lien for REO on XXX. 6/18/21: Lender provided the verification of taxes, insurance and confirmation of satisfied lien. 6/18/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 29.89%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 793. guideline requirement is 700.
XXXXXX OBX2021J30240 XXXXXX NC QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX does not match audit field Appraised Value $XXX. 6/18/21: Lender provided the HMDA data confirming value. 6/18/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI of 29.89%. Guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has a credit score of 793. guideline requirement is 700.
XXXXXX OBX2021J30443 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property value tape field of $XXX(purchase price) does not match audit field Appraised Value of $XXX.  08.09.21 - Lender provided HMDA data sheet with property value of $XXX., which matches appraised value. 08.09.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 764 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 31.33% with a max DTI of 43%.
XXXXXX OBX2021J30443 XXXXXX NJ QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required per guidelines. 08.09.21 - Lender provided AUS 08.09.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 764 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 31.33% with a max DTI of 43%.
XXXXXX OBX2021J30242 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Insurance Satisfied C A C A CRDINSR5351 Insurance Effective date is greater than the transaction date No Obtain updated insurance policy with effective date on or before funding date.  Note date XXX. Disbursement date XXX and HOI effective date XXX which is after the disbursement date. 6/16/21: Lender provided the prior HOI policy XXX to go with the HOI policy in file XXX. 6/16/21: Exception satisfied. Not Applicable Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 23 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 754 exceeds guidelines 700 by 54 points
XXXXXX OBX2021J30242 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A A A A A D A D A A A A A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Authorization to close XXX not executed. Missing signatures and dates. 6/16/21: Lender provided the signed authorization to close XXX  6/16/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  Significant time in profession of 23 years

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 754 exceeds guidelines 700 by 54 points
XXXXXX OBX2021J30399 XXXXXX PA QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Compliance TILA/RESPA Integrated Disclosure Satisfied A A A A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No  Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue.  Exception satisfied. (No Data) (No Data) Numeric Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI OF 38.50%. Maximum guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has accredit score of 800. Maximum guideline requirement is 650.
XXXXXX OBX2021J30399 XXXXXX PA QM: Safe Harbor QM: Safe Harbor (APOR) C A C A A A A A C A C A A A A A Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape field $XXX (purchase price) does not match audit field Appraised Value $XXX. 8/10/21: Lender provided the HMDA tape data confirming value $XXX. 8/10/21: Exception satisfied. (No Data) Not Applicable CFCFS1744: DTI below guideline requirement
- Clayton Comments:  Borrower has a DTI OF 38.50%. Maximum guideline requirement is 43%.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Borrower has accredit score of 800. Maximum guideline requirement is 650.
XXXXXX OBX2021J30520 XXXXXX WA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Compliance RESPA Waived B B B B CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant No List of at least 10 counselors was not provided. 6.28.2021 - Client agreed to waive non-material compliance exceptions.  6.28.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 773 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 37.41% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 69.34% with a max LTV of 80%.
XXXXXX OBX2021J30520 XXXXXX WA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Credit Assets Satisfied D A D A CRDAST2354 Asset Verification In File is Incomplete Per Requirements No Provide a copy of the EMD check #XXX for $20,000. 7/2/21: Lender provided the copy of the EMD check $20,000, proof cleared account and receipt for escrow. 7/2/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 773 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 37.41% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 69.34% with a max LTV of 80%.
XXXXXX OBX2021J30520 XXXXXX WA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Credit Credit/Mtg History Satisfied B A B A CRDCRMH193 Length of mortgage/rental history in file does not meet guideline requirement No Provide the last 12 months rental history 0x30 with a VOR or cancelled rent checks. 7/2/21: Lender provided the VOE from 6/1/19-5/31/21 and cancelled checks from 5/21-6/21. 7/2/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 773 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 37.41% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 69.34% with a max LTV of 80%.
XXXXXX OBX2021J30520 XXXXXX WA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A B B D B D A A A B B Credit HMDA Satisfied C A C A CRDHMDA5211 Property Value tape field does not match audit field Appraised Value No Property Value tape filed of $XXX (purchase price) does not match audit field Appraised Value of $XXX.  7/2/21: Lender provided the HMDA tape data confirming value XXX. 7/2/21: Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 773 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 37.41% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 69.34% with a max LTV of 80%.
XXXXXX OBX2021J30487 XXXXXX WA QM: Safe Harbor QM: Safe Harbor (APOR) D B D B A A A A D B D B A A A A Credit General Credit Satisfied D B D B CRDGCR5285 Taxpayer FirstIRS-provided taxpayer information in file; borrower consent to share information not found No IRS-provided taxpayer information in file; borrower consent to share information not found in loan file. 8/11/21: Lender provided the Taxpayer consent form. 8/11/21: Exception satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  810 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  36.74% DTI is below guideline maximum of 40%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  49.66% LTV is below guideline maximum of 75%.
XXXXXX OBX2021J30405 XXXXXX MA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing letter and / or affidavit attached to payoff authorizing (borrowers signature required) closure to future draws for HELOC with XXX being paid off in transaction. 8/2/21: Lender provided the borrower signed authorization to close the HELOC with XXX. 8/2/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has thirteen years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on credit report.
XXXXXX OBX2021J30405 XXXXXX MA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Borrower's Interest Satisfied B A B A CMPBI1623 MA Borrower Interest; Worksheet missing No Missing MA Borrower Interest Worksheet. 7.30.2021 - Client provided MA Borrower Interest WS 7.30.2021 - Exception satisfied (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has thirteen years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on credit report.
XXXXXX OBX2021J30405 XXXXXX MA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Compliance Federal Consumer Protection Waived B B B B CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same No Confirmed via NMLS website that XXX. are the same person. 8/2/21: Client agreed to waive non-material compliance exceptions. 8/2/21: Exception waived. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has thirteen years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on credit report.
XXXXXX OBX2021J30405 XXXXXX MA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Assets Satisfied C A C A CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements No Missing applicable two monthly statements and / or quarterly for XXX with the stated value of $231521.96 (or full value of 401k) in order to confirm if assets meets investor requirements. 8/2/21: Lender provided two months of retirement funds confirming sufficient reserves. 8/2/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has thirteen years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on credit report.
XXXXXX OBX2021J30405 XXXXXX MA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Assets Satisfied D A D A CRDAST2304 Unverified Assets No Missing applicable two monthly statements and / or quarterly for XXX with the stated value of $231521.96 (or full value of 401k) in order to verify assets advised in URLAs. 8/2/21: Lender provided two months of retirement funds confirming sufficient reserves. 8/2/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has thirteen years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on credit report.
XXXXXX OBX2021J30405 XXXXXX MA QM: Safe Harbor QM: Safe Harbor D B D A A A D B D B D A A A D B Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing letter and / or affidavit attached to payoff authorizing (borrowers signature required) closure to future draws for HELOC with XXX being paid off in transaction. 8/2/21: Lender provided the borrower signed authorization to close the HELOC with XXX 8/2/21: Exception satisfied. (No Data) Not Applicable CFCFS2854: Significant time in profession
- Clayton Comments:  The borrower has thirteen years in current profession.

CFCFS2860: Good credit history
- Clayton Comments:  No derogatory accounts on credit report.
XXXXXX OBX2021J30441 XXXXXX WA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance Documentation Satisfied D A D A CMPDOC3274 Mortgage/Deed in file is incomplete No Missing page 1, 2 and 4 of the Mortgage 7.30.2021 - Client provided all pages to Mortgage 7.30.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 801 with a minimum credit score of 700.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have significant time at current residence with 15.3 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 18.9 years.
XXXXXX OBX2021J30441 XXXXXX WA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Affiliates used in transaction, missing Affiliate Business Disclosure 06.29.2021 - Client agreed to waive non-material compliance exceptions.  6.29.2021 - Exception waived (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 801 with a minimum credit score of 700.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have significant time at current residence with 15.3 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 18.9 years.
XXXXXX OBX2021J30441 XXXXXX WA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) D B D A A A D B D B D A A A D B Credit Legal Documents Satisfied D A D A CRDLGL2864 Copy of Mortgage/Deed in file is incomplete No Missing page 1, 2 and 4 of the Mortgage/Deed of Trust. 7.30.2021 - Client provided all pages to Mortgage 7.30.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 801 with a minimum credit score of 700.

CFCFS1736: Significant time at current residence
- Clayton Comments:  Borrower's have significant time at current residence with 15.3 years.

CFCFS1735: Co-Borrower has significant time at current job
- Clayton Comments:  Co-Borrower has significant time at current job with 18.9 years.
XXXXXX OBX2021J30417 XXXXXX WA QM: Safe Harbor (APOR) QM: Safe Harbor (APOR) C B A A A A C B C B A A A A C B Compliance Right of Rescission  Satisfied C B C B CMPROR2330 ROR - Disbursement date is before end of statutory rescission period No Consummation Date is XXX, ROR Rescission Date is XXX, CD Disbursement Date is XXX. Disbursement date is before end of statutory rescission period. 8.9.2021 - Client provided CD at funding with DD of XXX. 8.9.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 773 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 29.57% with a max DTI of 43%.

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  LTV below guideline requirements at 41.926% with max LTV of 80%.
XXXXXX OBX2021J30193 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A A A D A D A A A A A Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing the AUS findings report as required per guidelines. 6/11/21: Lender provided the AUS findings report. 6/11/21: Exception satisfied. (No Data) Not Applicable CFCFS1734: Borrower has significant time at current job
- Clayton Comments:  B1 has been XXX at current job for 28  years.

CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score 792 exceeds guidelines
XXXXXX OBX2021J30392 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Compliance Ability to Repay/Qualified Mortgage Satisfied D A D A CMPATRQM3220 TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. No Missing proof that HELOC with XXX has been paid and closed to future draws. Authorization to close signed by borrower. 08.06.21 - Lender provided "Equity Credit line termination and Agreement of No Further Advances", for Loan #XXX 08.06.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  763 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  36.12% DTI is below guideline maximum of 40%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  149.48 months reserves exceed guideline minimum of 9 months.
XXXXXX OBX2021J30392 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor (APOR) D A D A A A D A D A D A A A D A Credit Legal Documents Satisfied D A D A CRDLGL2642 Missing proof that HELOC has been paid and closed to future draws No Missing proof that HELOC with XXX has been paid and closed to future draws. Authorization to close signed by borrower. 08.06.21 - Lender provided "Equity Credit line termination and Agreement of No Further Advances", for Loan #XXX 08.06.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  763 credit score exceeds guideline minimum of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  36.12% DTI is below guideline maximum of 40%.

CFCFS1731: Verified cash reserves exceed guidelines
- Clayton Comments:  149.48 months reserves exceed guideline minimum of 9 months.
XXXXXX OBX2021J30447 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Compliance RESPA Waived B B B B CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file No List of homeowners counseling organizations not in file. 8.2.21 - Clayton determined compliance exception to be non-material and the client agreed to waive. 8.2.21 - Exception Waived. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 786 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 29.96% with a max DTI of 43%.
XXXXXX OBX2021J30447 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Compliance RESPA Waived B B B B CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing No Required Affiliate Business Disclosure missing. 8.2.21 - Clayton determined compliance exception to be non-material and the client agreed to waive. 8.2.21 - Exception Waived. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 786 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 29.96% with a max DTI of 43%.
XXXXXX OBX2021J30447 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Compliance TILA/RESPA Integrated Disclosure Satisfied C A C A CMPTRID3626 TRID - CD: Loan consummated before end of waiting period No Only CD provided in file is Final CD Signed at Consummation XXX. Per Disclosure Trackers Initial CD Sent XXX and a Revised CD due to change in Loan Amount sent XXX. Please provide CD XXX. 8.9.2021 - Client provided Initial CD and revised CD issued XXX 8.9.2021 - Exception satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 786 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 29.96% with a max DTI of 43%.
XXXXXX OBX2021J30447 XXXXXX AZ QM: Safe Harbor QM: Safe Harbor D B D A A A C B D B D A A A C B Credit Terms/Guidelines Satisfied D A D A CRDTER2548 Missing AUS or AUS errors present No Missing Final 1008 required for file.  08.05.21 - Lender provided Transmittal summary 08.06.21 - Exception satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  Credit score exceeds guidelines at 786 with a minimum credit score of 700.

CFCFS1744: DTI below guideline requirement
- Clayton Comments:  DTI below guideline requirement at 29.96% with a max DTI of 43%.

 

Exhibit 99.10

 

Client Name: Bank of America Corporation                                      
Client Project Name: OBX 2021-J3                                        
Start - End Dates: 1/2021 - 8/2021                                        
                                           
Conditions Report 2.0                                        
                                           
Loans with Conditions: 202                                        
                                           
Loan Number Alt Loan Number TRID Indicator Lender Application Date Broker Application Date Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade Final S&P Credit Loan Grade Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Did Lender Acknowledge Exception at Origination
XXXXXX OBX2021J30128 Yes XXXXXX XXXXXX D B D B A A D A D B D B A A D A Not Applicable
XXXXXX OBX2021J30286 Yes XXXXXX XXXXXX D B D B A A D A D B D B A A D A Not Applicable
XXXXXX OBX2021J30290 Yes XXXXXX XXXXXX C B C B A A A A C B C B A A A A Not Applicable
XXXXXX OBX2021J30328 Yes XXXXXX XXXXXX D B D B A A D A D B D B A A D A Not Applicable
XXXXXX OBX2021J30338 Yes XXXXXX XXXXXX C B C B A A C A C B C B A A C A Not Applicable
XXXXXX OBX2021J30019 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B No
XXXXXX OBX2021J30115 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30043 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30011 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30159 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable
XXXXXX OBX2021J30235 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B Not Applicable
XXXXXX OBX2021J30187 Yes XXXXXX XXXXXX D B D B A A D A D B D B A A D A Not Applicable
XXXXXX OBX2021J30248 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30510 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30037 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
XXXXXX OBX2021J30086 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B Not Applicable
XXXXXX OBX2021J30096 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30307 Yes XXXXXX XXXXXX C B C B A A A A C B C B A A A A Not Applicable
XXXXXX OBX2021J30116 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
XXXXXX OBX2021J30170 Yes XXXXXX XXXXXX D B D B A A B B D B D B A A B B Not Applicable
XXXXXX OBX2021J30268 Yes XXXXXX XXXXXX C B C B A A A A C B C B A A A A Not Applicable
XXXXXX OBX2021J30431 Yes XXXXXX XXXXXX C B C B A A A A C B C B A A A A Not Applicable
XXXXXX OBX2021J30126 Yes XXXXXX XXXXXX D A D A C A D A D A D A C A D A Not Applicable
XXXXXX OBX2021J30404 Yes XXXXXX XXXXXX D A D A D A A A D A D A D A A A Not Applicable
XXXXXX OBX2021J30457 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30485 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30048 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
XXXXXX OBX2021J30024 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30018 Yes XXXXXX XXXXXX C B C A A A C B C B C A A A C B Not Applicable
XXXXXX OBX2021J30017 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
XXXXXX OBX2021J30030 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30389 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30323 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30036 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30042 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30059 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
XXXXXX OBX2021J30063 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
XXXXXX OBX2021J30064 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30061 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30065 Yes XXXXXX XXXXXX D B D B A A A A D B D B A A A A Not Applicable
XXXXXX OBX2021J30179 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
XXXXXX OBX2021J30118 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
XXXXXX OBX2021J30139 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30178 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
XXXXXX OBX2021J30140 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30198 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A No
XXXXXX OBX2021J30009 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30517 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A Not Applicable
XXXXXX OBX2021J30476 Yes XXXXXX XXXXXX C B C B A A C A C B C B A A C A Not Applicable
XXXXXX OBX2021J30161 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Yes
XXXXXX OBX2021J30466 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30197 Yes XXXXXX XXXXXX D B D B A A A A D B D B A A A A Not Applicable
XXXXXX OBX2021J30393 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable
XXXXXX OBX2021J30395 Yes XXXXXX XXXXXX D B D A D A D B D B D A D A D B Not Applicable
XXXXXX OBX2021J30143 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30047 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30091 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable
XXXXXX OBX2021J30403 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30398 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30089 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30217 Yes XXXXXX XXXXXX D A D A A A C A D A D A A A C A Not Applicable
XXXXXX OBX2021J30219 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable
XXXXXX OBX2021J30430 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable
XXXXXX OBX2021J30331 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable
XXXXXX OBX2021J30450 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30461 Yes XXXXXX XXXXXX D A D A D A A A D A D A D A A A Not Applicable
XXXXXX OBX2021J30044 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30293 Yes XXXXXX XXXXXX D A D A D A A A D A D A D A A A Not Applicable
XXXXXX OBX2021J30347 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B Not Applicable
XXXXXX OBX2021J30381 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30137 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30488 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30127 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30489 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
XXXXXX OBX2021J30324 Yes XXXXXX XXXXXX D A D A A A C A D A D A A A C A Not Applicable
XXXXXX OBX2021J30145 Yes XXXXXX XXXXXX D A D A D A A A D A D A D A A A Not Applicable
XXXXXX OBX2021J30287 Yes XXXXXX XXXXXX C B C A A A C B C B C A A A C B Not Applicable
XXXXXX OBX2021J30379 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30205 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30136 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30279 Yes XXXXXX XXXXXX D B D A A A B B D B D A A A B B Not Applicable
XXXXXX OBX2021J30304 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30332 Yes XXXXXX XXXXXX D A D A D A A A D A D A D A A A No
XXXXXX OBX2021J30467 Yes XXXXXX XXXXXX D B D A D A C B D B D A D A C B Not Applicable
XXXXXX OBX2021J30428 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30509 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30455 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30498 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30482 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30495 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30529 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30427 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30264 Yes XXXXXX XXXXXX D A C A D A A A D A C A D A A A Not Applicable
XXXXXX OBX2021J30038 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A No
XXXXXX OBX2021J30446 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
XXXXXX OBX2021J30095 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable
XXXXXX OBX2021J30041 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30164 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30052 Yes XXXXXX XXXXXX D B D A A A B B D B D A A A B B Not Applicable
XXXXXX OBX2021J30348 Yes XXXXXX XXXXXX D B D A A A C B D B D A A A C B Not Applicable
XXXXXX OBX2021J30150 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30255 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A No
XXXXXX OBX2021J30433 Yes XXXXXX XXXXXX D A D A D A A A D A D A D A A A Not Applicable
XXXXXX OBX2021J30321 Yes XXXXXX XXXXXX D B D A A A B B D B D A A A B B Not Applicable
XXXXXX OBX2021J30454 Yes XXXXXX XXXXXX D A C A A A D A D A C A A A D A Not Applicable
XXXXXX OBX2021J30418 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30230 Yes XXXXXX XXXXXX D B D A A A C B D B D A A A C B Not Applicable
XXXXXX OBX2021J30516 Yes XXXXXX XXXXXX D B D A A A C B D B D A A A C B Not Applicable
XXXXXX OBX2021J30402 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable
XXXXXX OBX2021J30317 Yes XXXXXX XXXXXX D A C A D A A A D A C A D A A A Not Applicable
XXXXXX OBX2021J30229 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30071 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30049 Yes XXXXXX XXXXXX D A D A A A C A D A D A A A C A Not Applicable
XXXXXX OBX2021J30440 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30165 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B Not Applicable
XXXXXX OBX2021J30349 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A No
XXXXXX OBX2021J30074 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
XXXXXX OBX2021J30378 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30419 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
XXXXXX OBX2021J30078 Yes XXXXXX XXXXXX D B D A D A D B D B D A D A D B Not Applicable
XXXXXX OBX2021J30325 Yes XXXXXX XXXXXX D B C A D A B B D B C A D A B B Not Applicable
XXXXXX OBX2021J30085 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
XXXXXX OBX2021J30133 Yes XXXXXX XXXXXX D A C A A A D A D A C A A A D A Not Applicable
XXXXXX OBX2021J30189 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable
XXXXXX OBX2021J30496 Yes XXXXXX XXXXXX D A D A D A A A D A D A D A A A Not Applicable
XXXXXX OBX2021J30303 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A No
XXXXXX OBX2021J30247 Yes XXXXXX XXXXXX D B D A A A B B D B D A A A B B Not Applicable
XXXXXX OBX2021J30397 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30168 Yes XXXXXX XXXXXX B A A A A A B A B A A A A A B A Not Applicable
XXXXXX OBX2021J30484 Yes XXXXXX XXXXXX D A D A A A B A D A D A A A B A Not Applicable
XXXXXX OBX2021J30357 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30163 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
XXXXXX OBX2021J30272 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
XXXXXX OBX2021J30513 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30081 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30176 Yes XXXXXX XXXXXX D B D A D A D B D B D A D A D B Not Applicable
XXXXXX OBX2021J30472 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B Not Applicable
XXXXXX OBX2021J30519 Yes XXXXXX XXXXXX C B C A A A B B C B C A A A B B Not Applicable
XXXXXX OBX2021J30486 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30456 Yes XXXXXX XXXXXX D B D A A A C B D B D A A A C B Not Applicable
XXXXXX OBX2021J30067 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30483 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A No
XXXXXX OBX2021J30294 Yes XXXXXX XXXXXX D B D A A A C B D B D A A A C B No
XXXXXX OBX2021J30175 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30358 Yes XXXXXX XXXXXX D A D A A A C A D A D A A A C A Not Applicable
XXXXXX OBX2021J30506 Yes XXXXXX XXXXXX C A C A A A C A C A C A A A C A Not Applicable
XXXXXX OBX2021J30336 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable
XXXXXX OBX2021J30460 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30365 Yes XXXXXX XXXXXX D A C A D A A A D A C A D A A A Yes
XXXXXX OBX2021J30006 Yes XXXXXX XXXXXX D B D A A A B B D B D A A A B B Not Applicable
XXXXXX OBX2021J30012 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30013 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30046 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30050 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30062 Yes XXXXXX XXXXXX B B A A B B A A B B A A B B A A Not Applicable
XXXXXX OBX2021J30146 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30066 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30069 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30222 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
XXXXXX OBX2021J30079 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30190 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B Not Applicable
XXXXXX OBX2021J30090 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30084 Yes XXXXXX XXXXXX C B C A A A C B C B C A A A C B Not Applicable
XXXXXX OBX2021J30087 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30376 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30088 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30122 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A No
XXXXXX OBX2021J30097 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30107 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A No
XXXXXX OBX2021J30108 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B Not Applicable
XXXXXX OBX2021J30121 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Yes
XXXXXX OBX2021J30130 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30131 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30135 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30134 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30207 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30148 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30191 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30196 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30243 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30212 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30216 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30223 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30238 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B Not Applicable
XXXXXX OBX2021J30244 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A Not Applicable
XXXXXX OBX2021J30258 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30277 Yes XXXXXX XXXXXX B B A A A A B B B B A A A A B B No
XXXXXX OBX2021J30297 Yes XXXXXX XXXXXX D B D A A A B B D B D A A A B B No
XXXXXX OBX2021J30311 Yes XXXXXX XXXXXX C B C A A A B B C B C A A A B B Not Applicable
XXXXXX OBX2021J30342 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30333 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A No
XXXXXX OBX2021J30363 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30370 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30377 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30413 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30499 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30316 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30231 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30239 Yes XXXXXX XXXXXX C A A A A A C A C A A A A A C A Not Applicable
XXXXXX OBX2021J30051 Yes XXXXXX XXXXXX D B D A D A C B D B D A D A C B No
XXXXXX OBX2021J30073 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30267 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30285 Yes XXXXXX XXXXXX D A D A A A C A D A D A A A C A Not Applicable
XXXXXX OBX2021J30394 Yes XXXXXX XXXXXX D B A B A A D A D B A B A A D A Not Applicable
XXXXXX OBX2021J30246 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30337 Yes XXXXXX XXXXXX A A A A A A A A A A A A A A A A Not Applicable
XXXXXX OBX2021J30442 Yes XXXXXX XXXXXX D A C A D A A A D A C A D A A A Not Applicable
XXXXXX OBX2021J30271 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B Not Applicable
XXXXXX OBX2021J30388 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A No
XXXXXX OBX2021J30380 Yes XXXXXX XXXXXX D B D A A A B B D B D A A A B B Not Applicable
XXXXXX OBX2021J30261 Yes XXXXXX XXXXXX D B A A D A C B D B A A D A C B Not Applicable
XXXXXX OBX2021J30254 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable
XXXXXX OBX2021J30218 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30429 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable
XXXXXX OBX2021J30162 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
XXXXXX OBX2021J30160 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable
XXXXXX OBX2021J30322 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
XXXXXX OBX2021J30213 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30514 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A No
XXXXXX OBX2021J30366 Yes XXXXXX XXXXXX D A A A D A A A D A A A D A A A Not Applicable
XXXXXX OBX2021J30151 Yes XXXXXX XXXXXX D A A A A A D A D A A A A A D A Not Applicable
XXXXXX OBX2021J30106 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30240 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30443 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30242 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30399 Yes XXXXXX XXXXXX C A C A A A A A C A C A A A A A Not Applicable
XXXXXX OBX2021J30520 Yes XXXXXX XXXXXX D B D A A A B B D B D A A A B B Not Applicable
XXXXXX OBX2021J30487 Yes XXXXXX XXXXXX D B D B A A A A D B D B A A A A Not Applicable
XXXXXX OBX2021J30405 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B Not Applicable
XXXXXX OBX2021J30441 Yes XXXXXX XXXXXX D B D A A A D B D B D A A A D B Not Applicable
XXXXXX OBX2021J30417 Yes XXXXXX XXXXXX C B A A A A C B C B A A A A C B Not Applicable
XXXXXX OBX2021J30193 Yes XXXXXX XXXXXX D A D A A A A A D A D A A A A A Not Applicable
XXXXXX OBX2021J30392 Yes XXXXXX XXXXXX D A D A A A D A D A D A A A D A Not Applicable
XXXXXX OBX2021J30447 Yes XXXXXX XXXXXX D B D A A A C B D B D A A A C B Not Applicable

 

 

Exhibit 99.11

 

Client Name:   Bank of America Corporation                                
Client Project Name:   OBX 2021-J3                                
Start - End Dates:   1/2021 - 8/2021                                
                                     
Rating Agency ATR QM Data Fields                                  
                                     
Loans in Report:   234                                
                                     
Loan Number Alt Loan Number Loan Level ATR/QM Status Application Date Prior to 1/10/2014 TRID Indicator Lender Application Date Broker Application Date GSE Eligible QRM Flag ATR/QM Total Points and Fees Rate Lock Date APR Bwr 1 Employment Indicator Bwr 2 Employment Indicator Bwr 1 Foreign National Indicator Bwr 2 Foreign National Indicator Borrowers Qualified Through a Non-Resident Alien Program Residual Income Analysis in File ATR/QM Residual Income
XXXXXX OBX2021J30128 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2836 2/23/2021 2.9008 Unemployed Unemployed (No Data) (No Data) (No Data) No 0
XXXXXX OBX2021J30286 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1216 4/26/2021 3.2588 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30290 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 7574 4/27/2021 3.0732 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30328 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 3438.09 5/6/2021 3.0371 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30338 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1627.5 5/7/2021 3.1462 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30019 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 7425.87 1/14/2021 2.6796 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) Yes 11142.71
XXXXXX OBX2021J30115 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 6012.44 2/24/2021 2.9519 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30043 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 4597.48 1/13/2021 2.934 Employed Unemployed U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30011 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 14269 12/15/2020 2.6154 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30159 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 3505.58 3/2/2021 2.9173 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30235 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1450.25 4/9/2021 3.3939 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30187 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 9348.4 3/10/2021 3.061 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30248 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1491.35 4/8/2021 3.2928 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30510 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1720.25 6/21/2021 3.295 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30037 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2664.18 1/6/2021 2.6592 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30086 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1811 2/8/2021 2.761 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30096 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2696.65 2/19/2021 2.8956 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30307 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1811 5/3/2021 3.2799 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30116 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 3770 2/22/2021 3.0311 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30170 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1985.07 3/9/2021 3.2678 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30268 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 4152.5 4/16/2021 3.2853 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30431 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 115.9 5/28/2021 3.2567 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
XXXXXX OBX2021J30126 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2350 2/25/2021 3.1723 Employed Unemployed U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30404 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 3329 5/25/2021 3.5489 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30457 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2285 6/9/2021 3.3903 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30485 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 3699.35 6/15/2021 3.2941 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30048 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 6169.73 3/17/2021 3.2088 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30024 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1595 12/29/2020 2.5202 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30018 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 6363.5 12/23/2020 2.5686 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30017 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1595 12/23/2020 2.5104 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30030 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1595 12/30/2020 2.5156 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30389 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 9489.25 5/18/2021 3.2633 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30323 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1200 5/11/2021 3.1669 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30036 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1595 1/5/2021 2.6435 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30042 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1595 1/12/2021 2.6393 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30059 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1595 5/19/2021 2.889 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30063 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1315 1/21/2021 2.6358 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30064 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1315 1/21/2021 2.6314 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30061 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1937.5 1/22/2021 2.8983 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30065 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 9096.45 1/21/2021 2.5613 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30179 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1595 3/9/2021 2.8789 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30118 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 12867.16 2/24/2021 2.7324 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30139 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1315 4/29/2021 3.1374 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30178 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 10837.1 3/9/2021 3.0949 Employed Employed U.S. Citizen Permanent Resident Alien (No Data) No 0
XXXXXX OBX2021J30140 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 11239.96 2/25/2021 2.8872 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30198 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 17198.45 3/16/2021 3.136 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30009 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2127.25 12/9/2020 2.9641 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30517 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1525.25 6/24/2021 3.0191 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30476 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 5577.1 7/8/2021 3.0709 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30161 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1985.25 3/3/2021 3.4337 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30466 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1582.25 6/10/2021 3.4016 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30197 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2884.2 3/15/2021 3.1709 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30393 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1590.25 5/19/2021 3.274 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30395 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1590.25 5/19/2021 3.2695 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30143 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 8500.04 2/25/2021 3.0763 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 9862.63
XXXXXX OBX2021J30047 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 24302.75 1/11/2021 2.7483 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30091 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 9310.25 2/14/2021 2.8565 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30403 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1460.25 5/25/2021 3.1501 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30398 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1710.25 5/20/2021 3.1283 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30089 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 8495 2/12/2021 3.2194 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30217 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2025.25 3/31/2021 3.5137 Employed Employed Permanent Resident Alien U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30219 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2137.25 4/2/2021 3.2757 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30430 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1925.25 5/27/2021 3.1619 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30331 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2025.25 5/6/2021 3.0161 Employed Employed U.S. Citizen Permanent Resident Alien (No Data) No 0
XXXXXX OBX2021J30450 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2025.25 6/7/2021 3.1408 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30461 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2470.25 6/9/2021 3.0206 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30044 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2350 1/8/2021 2.5257 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30293 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2260.25 4/27/2021 3.0356 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30347 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1750.25 5/11/2021 3.1451 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30381 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1605.25 5/17/2021 3.5306 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30137 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 3992.09 2/24/2021 2.9023 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30488 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 0 6/16/2021 3 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30127 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 15680.25 2/22/2021 2.9286 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30489 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1820.25 6/16/2021 3.2782 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30324 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1700.25 5/6/2021 3.2751 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30145 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 130.25 2/26/2021 3.254 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30287 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1395.25 4/26/2021 3.2818 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30379 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 6155.69 5/17/2021 3.2057 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30205 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 16241.77 3/19/2021 3.1787 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30136 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 4290.25 2/24/2021 3.0344 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30279 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1835.25 4/22/2021 3.2991 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30304 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 3620.47 4/29/2021 3.2922 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30332 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1495.25 5/6/2021 3.0429 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30467 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2545.25 6/11/2021 3.0633 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30428 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 16562.4 5/27/2021 3.2823 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30509 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 20526.2 6/22/2021 3.0378 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30455 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 13818.76 6/8/2021 3.0469 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30498 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 15812 6/29/2021 2.998 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30482 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 10407.97 6/28/2021 3.1986 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30495 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 12406 6/17/2021 3.1408 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30529 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 30969.64 7/12/2021 3.0718 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30427 QM: Safe Harbor (APOR) No Yes XXXXXX XXXXXX No Yes 15995 6/1/2021 3.1249 Employed Employed Permanent Resident Alien Permanent Resident Alien (No Data) No 0
XXXXXX OBX2021J30264 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1895.25 4/14/2021 3.1759 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30038 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 3400.53 1/7/2021 2.915 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30446 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 5005.25 6/3/2021 3.4481 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30095 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 3866.2 2/16/2021 3.0395 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30041 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1828.21 1/7/2021 2.7679 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30164 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 7050.25 3/3/2021 2.9643 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 9526.85
XXXXXX OBX2021J30052 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1625.25 12/29/2020 3.136 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
XXXXXX OBX2021J30348 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1625.25 5/11/2021 3.0861 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30150 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 5234.63 3/4/2021 3.0436 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30255 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1625.25 4/12/2021 3.3952 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30433 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 6454.65 6/3/2021 3.2078 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30321 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2020.25 5/5/2021 3.1479 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30454 QM: Safe Harbor No Yes XXXXXX XXXXXX No Yes 10995 6/9/2021 3.0188 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30418 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 8109.45 5/27/2021 3.3639 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30230 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 3363.43 4/6/2021 3.2929 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30516 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1860 6/24/2021 3.2646 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30402 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 3919.25 4/20/2021 3.284 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30317 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1814.25 5/7/2021 3.1457 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30229 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2589.48 4/5/2021 3.2672 Employed Employed Permanent Resident Alien Permanent Resident Alien (No Data) Yes 12642.53
XXXXXX OBX2021J30071 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1140 1/28/2021 2.8851 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30049 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1575.25 1/12/2021 3.0255 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30440 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1575.25 6/3/2021 3.1389 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30165 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 6695 3/3/2021 2.9328 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30349 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1880.25 5/10/2021 3.2799 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30074 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 10944.24 2/2/2021 3.0748 Retired Retired U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30378 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 3339.25 5/17/2021 3.5346 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30419 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 3697.25 5/27/2021 3.026 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30078 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 3960.75 2/2/2021 2.9113 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30325 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1320.25 5/6/2021 3.0186 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30085 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 17440.7 2/9/2021 2.9413 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30133 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 3262.75 2/24/2021 3.1986 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30189 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 6045.25 3/9/2021 3.4217 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
XXXXXX OBX2021J30496 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1925.25 6/14/2021 3.4058 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30303 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 8045.25 4/29/2021 3.316 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30247 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 7461.05 4/8/2021 3.3362 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30397 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2425.25 5/19/2021 3.1517 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30168 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 100.25 3/4/2021 3.0195 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30484 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2275.25 6/15/2021 3.2693 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30357 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1430.25 5/12/2021 3.1463 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30163 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1595.25 3/3/2021 3.0222 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30272 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 5056.25 4/16/2021 3.2824 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30513 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1823 6/24/2021 3.0281 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30081 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 726.21 2/5/2021 2.7622 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30176 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1914.05 4/13/2021 3.0295 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30472 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2165.25 7/13/2021 3.0192 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30519 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1915 7/6/2021 3.0231 Retired (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30486 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1845 6/16/2021 3.1349 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30456 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 4022.75 6/8/2021 3.1676 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30067 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1695.25 1/12/2021 2.6445 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30483 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1695.25 6/15/2021 3.1491 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30294 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2745.25 4/28/2021 3.1534 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30175 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1521.99 2/12/2021 3.0152 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30358 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1672 5/28/2021 3.139 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30506 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1682.25 6/18/2021 3.0207 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30336 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 3434.31 5/7/2021 3.3039 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30460 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 8731.95 6/9/2021 3.0644 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30365 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2610 5/17/2021 3.0089 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30006 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2814.5 5/3/2021 3.0109 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30012 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 3386.5 12/22/2020 2.5098 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30013 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 4914.5 12/23/2020 2.5321 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30046 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1675 1/26/2021 2.7623 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30050 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 6326.02 1/13/2021 2.5556 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30062 QM: Safe Harbor No Yes XXXXXX Not Applicable Yes Yes 5178.58 1/21/2021 3.0511 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30146 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 12438.06 3/1/2021 3.2009 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30066 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 9770.81 1/26/2021 2.6612 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30069 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1450 1/28/2021 2.5097 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30222 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 6545.5 4/5/2021 3.184 Retired Retired U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30079 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1600 2/2/2021 2.6442 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30190 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 5176.5 3/9/2021 2.9221 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30090 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2911.25 2/12/2021 2.7856 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30084 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 7805.31 2/8/2021 2.5612 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30087 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 15698.65 4/2/2021 2.5892 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30376 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 6468.79 5/27/2021 3.3317 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30088 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 4748.81 2/11/2021 2.7683 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30122 QM: Safe Harbor No Yes XXXXXX Not Applicable Yes Yes 1675 2/23/2021 3.1427 Retired Retired U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30097 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 4459.98 2/17/2021 3.063 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30107 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1995.7 2/23/2021 2.7714 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30108 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2195.5 2/19/2021 2.9014 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30121 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1675 2/22/2021 3.272 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30130 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 7855.5 2/26/2021 2.9558 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30131 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1759.73 2/25/2021 3.0231 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30135 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 0 2/25/2021 3.0171 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30134 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2458.5 3/10/2021 2.8929 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30207 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 5625 2/25/2021 3.0503 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30148 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 3408.5 5/18/2021 3.2905 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30191 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1275 3/9/2021 3.1553 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30196 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2396.5 3/12/2021 3.0371 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30243 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1275 4/8/2021 3.5179 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30212 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2892.38 4/23/2021 3.4149 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30216 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1425 4/1/2021 3.2698 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30223 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 4821 4/5/2021 3.3141 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30238 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 0 4/6/2021 3.2559 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30244 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1478.89 4/7/2021 3.2851 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30258 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 4595.6 6/2/2021 3.2969 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30277 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1360 4/21/2021 3.2686 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30297 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2921.5 5/5/2021 3.2784 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30311 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 4808.55 5/5/2021 3.0673 Retired (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30342 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2458.5 5/10/2021 3.2819 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30333 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2587.5 5/12/2021 3.1496 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30363 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2532.79 5/12/2021 3.2644 Employed Employed Permanent Resident Alien Permanent Resident Alien (No Data) No 0
XXXXXX OBX2021J30370 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2709.5 5/14/2021 3.4052 Retired (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30377 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 3063.5 5/18/2021 3.0127 Employed Employed Permanent Resident Alien Permanent Resident Alien (No Data) No 0
XXXXXX OBX2021J30413 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1666.5 5/26/2021 3.3924 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30499 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2298 6/18/2021 3.049 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30316 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1805.25 5/4/2021 3.1495 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30231 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1795 4/6/2021 3.1557 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30239 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 961.5 4/7/2021 3.2828 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30051 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2236.27 2/8/2021 2.7601 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30073 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2832.75 1/29/2021 3.1509 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30267 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 10273.25 3/31/2021 3.1188 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30285 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1961.25 4/21/2021 3.2802 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30394 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1809.25 5/19/2021 3.5183 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30246 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2184.25 4/8/2021 3.2695 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30337 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1809.25 5/10/2021 3.2703 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30442 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 3469.7 6/3/2021 3.1721 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30271 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 16666.44 5/4/2021 3.1555 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30388 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 5369.5 5/18/2021 3.3184 Employed Retired U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30380 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1809.25 5/17/2021 3.1443 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30261 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2390.25 2/16/2021 3.1591 Employed Retired U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30254 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1790.25 4/9/2021 3.2684 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30218 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 245 4/1/2021 3.3777 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30429 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 3480.25 5/26/2021 3.1766 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30162 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 2310.25 3/3/2021 2.8879 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30160 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 6200.25 3/3/2021 2.9171 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30322 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1430.25 5/5/2021 3.0216 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30213 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 7215 3/18/2021 3.1754 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30514 QM: Safe Harbor No Yes XXXXXX Not Applicable Yes Yes 1625.25 6/22/2021 3.0263 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30366 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1625.25 5/12/2021 3.2668 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30151 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 5322 3/2/2021 2.8176 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30106 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 5150.13 2/18/2021 2.7822 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30240 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2745.25 4/7/2021 3.168 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) Yes 0
XXXXXX OBX2021J30443 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1945.04 6/3/2021 3.5282 Employed Retired U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30242 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1825.25 4/7/2021 3.3964 Employed Unemployed U.S. Citizen Permanent Resident Alien (No Data) No 0
XXXXXX OBX2021J30399 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 3040.25 5/20/2021 3.2689 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30520 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 0 5/13/2021 2.997 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30487 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1775.25 6/16/2021 3.1496 Retired Retired U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30405 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1590.25 5/27/2021 3.3932 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30441 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 6687.75 6/3/2021 3.1769 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30417 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 4192.5 5/27/2021 3.2866 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30193 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 1858.25 3/9/2021 3.1415 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
XXXXXX OBX2021J30392 QM: Safe Harbor (APOR) No Yes XXXXXX Not Applicable No Yes 2402.94 5/19/2021 3.5334 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX OBX2021J30447 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 11413.25 6/7/2021 3.1457 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
XXXXXX #N/A                                  
                                     

 

 

Exhibit 99.12

 

Client Name: Bank of America Corporation      
Client Project Name: OBX 2021-J3        
Start - End Dates: 1/2021 - 8/2021        
           
Loan Level Tape Compare Upload          
           
Loan Number Alt Loan Number Borrower Last Name Field Name Tape Data Reviewer Data
XXXXXX OBX2021J30128 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30286 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30286 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30290 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30290 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30328 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30338 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30019 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30011 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30159 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30159 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30159 XXXXXX Original LTV 58.50 58.25
XXXXXX OBX2021J30187 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30510 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30086 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30086 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30096 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30307 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30116 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30170 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30268 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30268 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30431 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30126 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30485 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30485 XXXXXX Property Street Address XXXXXX XXXXXX
XXXXXX OBX2021J30048 XXXXXX Original LTV 78.07 77.83
XXXXXX OBX2021J30024 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30017 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30030 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30389 XXXXXX Original LTV 72.99 74.29
XXXXXX OBX2021J30323 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30059 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30063 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30064 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30064 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30065 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30065 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30179 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30139 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30140 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30198 XXXXXX Borrower 1 First Name XXXXXX XXXXXX
XXXXXX OBX2021J30009 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30476 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30161 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30466 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30197 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30393 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30395 XXXXXX Property City XXXXXX XXXXXX
XXXXXX OBX2021J30395 XXXXXX Property Street Address XXXXXX XXXXXX
XXXXXX OBX2021J30143 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30091 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30398 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30398 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30217 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30217 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30217 XXXXXX Original LTV 63.60 67.44
XXXXXX OBX2021J30219 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30219 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30430 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30461 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30381 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30488 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30127 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30145 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30379 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30379 XXXXXX Property City XXXXXX XXXXXX
XXXXXX OBX2021J30279 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30304 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30304 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30332 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30467 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30509 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30455 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30455 XXXXXX Original LTV 59.66 68.43
XXXXXX OBX2021J30498 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30498 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30482 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30482 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30495 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30529 XXXXXX Borrower 1 First Name XXXXXX XXXXXX
XXXXXX OBX2021J30427 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30264 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30038 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30038 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30038 XXXXXX Property Street Address XXXXXX XXXXXX
XXXXXX OBX2021J30446 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30446 XXXXXX Property Street Address XXXXXX XXXXXX
XXXXXX OBX2021J30095 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30095 XXXXXX Original LTV 69.93 55.65
XXXXXX OBX2021J30041 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30164 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30052 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30052 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30052 XXXXXX Original LTV 75.24 74.14
XXXXXX OBX2021J30433 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30433 XXXXXX Property City XXXXXX XXXXXX
XXXXXX OBX2021J30454 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30418 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30418 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30230 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30230 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30516 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30317 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30229 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30071 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30071 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30071 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30049 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30440 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30440 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30074 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30074 XXXXXX Original LTV 79.90 80.00
XXXXXX OBX2021J30378 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30078 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30325 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30085 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30085 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30496 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30303 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30303 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30247 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30397 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30484 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30163 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30163 XXXXXX Original LTV 75.00 70.00
XXXXXX OBX2021J30272 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30513 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30513 XXXXXX Property Street Address XXXXXX XXXXXX
XXXXXX OBX2021J30472 XXXXXX Original LTV 63.33 52.66
XXXXXX OBX2021J30519 XXXXXX Original LTV 69.64 67.83
XXXXXX OBX2021J30486 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30486 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30486 XXXXXX Property Street Address XXXXXX XXXXXX
XXXXXX OBX2021J30456 XXXXXX Property Street Address XXXXXX XXXXXX
XXXXXX OBX2021J30067 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30067 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30483 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30294 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30175 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30175 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30506 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30336 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30365 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30006 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30012 XXXXXX Borrower 1 First Name XXXXXX XXXXXX
XXXXXX OBX2021J30012 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30012 XXXXXX Property Zip XXXXXX XXXXXX
XXXXXX OBX2021J30013 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30013 XXXXXX Property Zip XXXXXX XXXXXX
XXXXXX OBX2021J30046 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30050 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30062 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30146 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30066 XXXXXX Borrower 1 First Name XXXXXX XXXXXX
XXXXXX OBX2021J30066 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30066 XXXXXX Original LTV 69.22 70.00
XXXXXX OBX2021J30069 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30069 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30222 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30079 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30079 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30190 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30090 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30084 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30087 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30376 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30376 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30088 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30088 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30122 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30097 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30107 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30108 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30108 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30121 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30130 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30130 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30131 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30131 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30135 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30134 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30207 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30207 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30148 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30191 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30191 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30243 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30212 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30223 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30244 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30258 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30258 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30277 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30297 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30311 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30342 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30333 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30363 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30370 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30377 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30377 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30413 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30413 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30231 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30231 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30051 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30073 XXXXXX Disbursement Date XXXXXX XXXXXX
XXXXXX OBX2021J30073 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30073 XXXXXX Original LTV 53.19 53.29
XXXXXX OBX2021J30267 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30267 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30394 XXXXXX Original LTV 68.54 66.17
XXXXXX OBX2021J30246 XXXXXX Original LTV 37.38 35.68
XXXXXX OBX2021J30337 XXXXXX Original LTV 72.55 72.65
XXXXXX OBX2021J30442 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30271 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30271 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30380 XXXXXX Original LTV 59.37 59.77
XXXXXX OBX2021J30261 XXXXXX Borrower 1 Last Name XXXXXX XXXXXX
XXXXXX OBX2021J30261 XXXXXX Property Street Address XXXXXX XXXXXX
XXXXXX OBX2021J30254 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30429 XXXXXX Property Street Address XXXXXX XXXXXX
XXXXXX OBX2021J30160 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30213 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30514 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30151 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30240 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30443 XXXXXX First Payment Date XXXXXX XXXXXX
XXXXXX OBX2021J30443 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30399 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30520 XXXXXX Original Appraised Value XXXXXX XXXXXX
XXXXXX OBX2021J30487 XXXXXX Property City XXXXXX XXXXXX
XXXXXX OBX2021J30487 XXXXXX Property Street Address XXXXXX XXXXXX
XXXXXX OBX2021J30441 XXXXXX Original LTV 68.49 67.57
XXXXXX OBX2021J30193 XXXXXX Original LTV 45.95 44.44
XXXXXX OBX2021J30447 XXXXXX Property Street Address XXXXXX XXXXXX

 

©2021 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

 

 

Exhibit 99.13

 

Client Name: Bank of America Corporation                                                                                                          
Client Project Name: OBX 2021-J3                                                                                                          
Start - End Dates: 1/2021 - 8/2021                                                                                                          
                                                                                                                 
Valuations Summary                                                                                                              
                                                                                                                 
Loans in Report: 234       Origination Values Automated Valuation Model Desk Review Second Desk Review Field Review Second Field Review 1004 SFR (Mar 05) 2055 Ext Only (Mar 05) BPO (Broker Price Opinion) Other AUS Information  
Loan Number Alt Loan Number Original Balance Sales Price Value For LTV Appraised Date Appraised Value Appraisal Form AVM Vendor Name Confidence Score Review Date Review Value Variance Amount Variance % Review Type Report Date Value Variance Amount Variance (%) AVM Vendor Name AVM FSD Confidence Score Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance % Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%) Report Date Report Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%) Other - Valuation Type Report Date Value Variance Amount Variance (%) CU Score Valuation Comments
XXXXXX OBX2021J30128 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30286 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30290 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30328 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30338 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30019 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30115 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30043 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30011 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30159 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30235 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30187 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30248 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30510 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30037 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30086 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30096 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30307 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30116 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30170 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30268 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30431 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30126 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30404 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30457 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30485 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30048 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30024 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30018 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1073 Condo (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30017 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30030 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30389 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30323 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30036 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30042 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30059 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30063 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30064 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30061 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30065 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30179 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30118 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30139 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30178 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30140 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30198 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30009 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30517 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30476 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30161 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1025 Multi-Fam (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30466 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30197 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00% XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30393 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30395 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30143 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30047 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30091 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30403 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30398 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30089 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30217 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30219 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30430 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30331 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30450 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30461 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30044 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30293 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30347 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30381 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30137 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30488 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30127 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30489 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30324 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30145 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30287 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30379 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30205 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30136 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30279 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30304 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30332 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30467 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30428 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30509 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30455 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30498 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30482 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30495 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30529 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30427 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30264 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30038 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30446 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30095 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30041 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30164 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30052 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30348 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30150 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30255 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30433 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30321 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30454 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30418 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30230 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30516 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30402 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30317 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30229 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30071 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30049 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30440 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30165 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30349 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30074 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30378 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30419 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30078 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30325 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30085 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30133 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30189 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30496 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30303 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30247 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30397 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30168 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30484 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30357 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30163 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30272 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30513 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30081 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30176 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30472 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30519 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30486 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30456 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30067 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30483 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30294 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30175 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30358 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30506 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30336 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30460 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30365 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30006 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30012 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30013 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30046 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30050 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30062 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30146 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30066 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30069 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30222 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30079 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30190 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30090 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30084 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30087 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30376 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30088 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30122 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30097 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30107 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30108 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30121 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30130 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30131 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30135 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30134 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30207 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30148 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30191 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30196 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30243 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30212 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30216 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30223 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30238 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30244 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30258 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30277 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30297 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30311 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30342 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30333 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30363 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30370 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30377 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30413 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30499 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30316 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30231 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30239 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30051 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30073 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30267 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30285 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30394 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30246 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30337 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30442 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30271 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30388 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30380 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30261 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30254 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30218 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30429 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30162 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30160 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30322 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30213 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30514 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30366 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30151 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30106 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30240 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30443 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30242 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30399 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30520 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30487 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30405 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30441 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30417 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30193 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30392 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  
XXXXXX OBX2021J30447 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)     XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   0.000     $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% (No Data)  

 

 

Exhibit 99.14

 

Client Name: Bank of America Corporation    
Client Project Name: OBX 2021-J3    
Start - End Dates: 1/2021 - 8/2021    
Deal Loan Count: 234    
         
Waived Conditions Summary
         
Review Scope Category Code Description Count
Credit Terms/Guidelines CRDTER109 Cash Out Amount Exceeds Guidelines 2
Credit Assets CRDAST3078 Insufficient # of months cash reserves for PITI per guideline requirements 1
Property Valuations FEMA PRVAFEMA856 Natural Disaster Area, no subsequent inspection (Public) 1
Compliance Right of Rescission CMPROR117 ROR - Expiration date on form prior to end of rescission period 1
Compliance Right of Rescission CMPROR1909 Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor 5
Compliance Federal Consumer Protection CMPFDCP4569 NMLS License verification found Loan Originator Name does not match ID but can identify that the LO is the same 11
Compliance Borrower's Interest CMPBI1623 MA Borrower Interest; Worksheet missing 2
Compliance RESPA CMPRESPA2698 RESPA - List of homeowners counseling organizations not in file 8
Compliance RESPA CMPRESPA2704 RESPA - List of homeowners counseling organizations not compliant 4
Compliance RESPA CMPRESPA863 RESPA: Required Affiliate Business Disclosure missing 15
Total       50

 


 ©2021 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

 

 

Exhibit 99.15

Client Name: LoanDepot.Com, LLC    
Client Project Name: OBX 2021-J3    
Start - End Dates: 1/2021 - 8/2021    
             
Conditions Report 2.0    
             
Loans with Conditions: 1    
             
0 - Total Active Conditions
             
             
             
6 - Total Satisfied Conditions
             
      3 - Credit Review Scope
        1 - Category: Assets
        1 - Category: Income/Employment
        1 - Category: Legal Documents
      1 - Property Valuations Review Scope
        1 - Category: Appraisal
      2 - Compliance Review Scope
        2 - Category: TILA/RESPA Integrated Disclosure
0 - Total Waived Conditions
             
             
             
             
 




©2021 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. 		 

 

 

Exhibit 99.16

 

Client Name: LoanDepot.Com, LLC                                                                        
Client Project Name: OBX 2021-J3                                                                        
Start - End Dates: 1/2021 - 8/2021                                                                        
                                                                           
Conditions Report 2.0                                                                        
                                                                           
Loans with Conditions: 1                                                                        
                                                                           
Loan Number Alt Loan Number Original Principal Balance State Initial Lender ATR/QM Status Loan Level ATR/QM Status Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade Final S&P Credit Loan Grade Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Condition Category Condition Sub Category Condition Status Initial Securitization Condition Grade Final Securitization Condition Grade Initial S&P Condition Grade Final S&P Condition Grade Condition Code Condition Description Condition Material Indicator Initial Comments Client/Seller Response Comments Conclusion Comments TRID Error Type Cure Method Compensating Factors
XXXXXX OBX2021J30015 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Compliance TILA/RESPA Integrated Disclosure Satisfied B A B A CMPTRID5215 TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. No Provide Seller Closing Disclosure including seller paid realtor fees. 02/15/2021 Client provided Seller CD reflecting RE Broker fees paid.   Condition Satisfied. Numeric Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 Credit score, min required is 700

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  58.82% LTV MAX ALLOWED IS 80%
XXXXXX OBX2021J30015 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Compliance TILA/RESPA Integrated Disclosure Satisfied D A D A CMPTRID5107 TRID - Seller CD not in file; need in order to complete fee entry No Provide Seller Closing Disclosure 02/15/2021 Client provided Seller CD.  Fees included in testing with no violation. Condition Satisfied. Not Applicable Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 Credit score, min required is 700

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  58.82% LTV MAX ALLOWED IS 80%
XXXXXX OBX2021J30015 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit Assets Satisfied D A D A CRDAST2670 Asset documentation is insufficient per guideline requirements No Missing proof primary residence sold and net proceeds was $XXX 2/3 Client provided the seller CD from the subject transaction.  Provide the CD from the sale of borrower's departing residence.2/19 Client provided the final settlement statement Condition satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 Credit score, min required is 700

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  58.82% LTV MAX ALLOWED IS 80%
XXXXXX OBX2021J30015 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit Income/Employment Satisfied C A C A CRDINC888 Income Amount is  Unsupported by Documentation in File No Lender to provide Signed 2019 1120S, not able to locate returns to calculate income Lender also to provide sign 2018 1120s, in file is not signed   2/3 Client provided the singed 2018 1120S. File is still missing the signed 2019 1120S.2/19 Client provided the signed 2019 1120S Condition satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 Credit score, min required is 700

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  58.82% LTV MAX ALLOWED IS 80%
XXXXXX OBX2021J30015 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Credit Legal Documents Satisfied D A D A CRDLGL988 Loan File is Missing or Contains Insufficient Documentation for Basic Review No Lender to provide COVID 19 form for both borrowers 2/3 Client provided the borrower attestation. Condition satisfied (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 Credit score, min required is 700

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  58.82% LTV MAX ALLOWED IS 80%
XXXXXX OBX2021J30015 XXXXXX CA QM: Safe Harbor QM: Safe Harbor D A D A D A D A D A D A D A D A Property Valuations Appraisal Satisfied D A D A PRVAAPPR3116 Missing updated valuation No Provide CDA supporting value. 2.4.21 Desk review received value supported. 2.4.21 Exception Satisfied. (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines
- Clayton Comments:  769 Credit score, min required is 700

CFCFS1737: LTV below guideline requirements
- Clayton Comments:  58.82% LTV MAX ALLOWED IS 80%

 

 

Exhibit 99.17

 

Client Name: LoanDepot.Com, LLC                                  
Client Project Name: OBX 2021-J3                                  
Start - End Dates: 1/2021 - 8/2021                                  
                                           
Conditions Report 2.0                                
                                           
Loans with Conditions: 1                                  
                                           
Loan Number Alt Loan Number TRID Indicator Lender Application Date Broker Application Date Initial Securitization Overall Loan Grade Final Securitization Overall Loan Grade Initial Securitization Credit Loan Grade Final Securitization Credit Loan Grade Initial Securitization Property Valuations Loan Grade Final Securitization Property Valuations Loan Grade Initial Securitization Compliance Loan Grade Final Securitization Compliance Loan Grade Initial S&P Overall Loan Grade Final S&P Overall Loan Grade Initial S&P Credit Loan Grade Final S&P Credit Loan Grade Initial S&P Property Valuations Loan Grade Final S&P Property Valuations Loan Grade Initial S&P Compliance Loan Grade Final S&P Compliance Loan Grade Did Lender Acknowledge Exception at Origination
XXXXXX OBX2021J30015 Yes XXXXXX XXXXXX D A D A D A D A D A D A D A D A Not Applicable

 

 

Exhibit 99.18

 

Client Name: Bank of America Corporation                              
Client Project Name: OBX 2021-J3                              
Start - End Dates: 1/2021 - 8/2021                              
                                     
Rating Agency ATR QM Data Fields                            
                                     
Loans in Report: 1                              
                                     
Loan Number Alt Loan Number Loan Level ATR/QM Status Application Date Prior to 1/10/2014 TRID Indicator Lender Application Date Broker Application Date GSE Eligible QRM Flag ATR/QM Total Points and Fees Rate Lock Date APR Bwr 1 Employment Indicator Bwr 2 Employment Indicator Bwr 1 Foreign National Indicator Bwr 2 Foreign National Indicator Borrowers Qualified Through a Non-Resident Alien Program Residual Income Analysis in File ATR/QM Residual Income
XXXXXX OBX2021J30015 QM: Safe Harbor No Yes XXXXXX Not Applicable No Yes 1465 12/21/2020 2.6683 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
                                     
 


©2021 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. 		                     
                                     

 

 

Exhibit 99.19

 

Client Name:   Bank of America Corporation  
Client Project Name: OBX 2021-J3  
Start - End Dates:   1/2021 - 8/2021  
           
Loan Level Tape Compare Upload    
           
Loans in Report   1  
Loan Number   Borrower Last Name Field Name Tape Data Reviewer Data
XXXXXX OBX2021J30015 XXXXXX Borrower 1 Self Employed Flag Yes No
XXXXXX OBX2021J30015 XXXXXX Months Reserves 40.00 20.37
           
           
©2021 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

 

 

Exhibit 99.20

 

Client Name: Bank of America Corporation                                                                                                            
Client Project Name: OBX 2021-J3                                                                                                            
Start - End Dates: 1/2021 - 8/2021                                                                                                            
                                                                                                                   
Valuations Summary                                                                                                                
                                                                                                                   
Loans in Report: 1         Origination Values Automated Valuation Model Desk Review Second Desk Review Field Review Second Field Review 1004 SFR (Mar 05) 2055 Ext Only (Mar 05) BPO (Broker Price Opinion) Other AUS Information  
Loan Number Alt Loan Number Seller Loan Number Original Balance Sales Price Value For LTV Appraised Date Appraised Value Appraisal Form AVM Vendor Name Confidence Score Review Date Review Value Variance Amount Variance % Review Type Report Date Value Variance Amount Variance (%) AVM Vendor Name AVM FSD Confidence Score Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance % Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%) Report Date Report Value Variance Amount Variance (%) Report Date Value Variance Amount Variance (%) Other - Valuation Type Report Date Value Variance Amount Variance (%) CU Score Valuation Comments
XXXXXX OBX2021J30015 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX 1004 SFR (Mar 05)       $0.00         $0.00 $0.00 0.00%   0.000   XXXXXX XXXXXX XXXXXX XXXXXX   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%   $0.00 $0.00 0.00%     $0.00 $0.00 0.00% XXXXXX  
                                                                                                                   

 

 

Exhibit 99.21

EXECUTIVE SUMMARY
Third Party Due Diligence Review

Overview

Consolidated Analytics, Inc (“Consolidated Analytics”), a third-party due diligence provider, performed the review described below on behalf of its client, loanDepot.com, LLC. The review included a total of 186 newly originated residential mortgage loans, in connection with the securitization identified as OBX 2021-J3 (the “Securitization”). The review began on December 1, 2020, and concluded in August 1, 2021.

Scope of Review

Credit Review

Consolidated Analytics performed a “Credit Review” to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

 a. QM or ATR Validation / Review of 8 Key Underwriting Factors
i.Income / Assets
·Validate borrower(s) monthly gross income
·Validate funds required to close, required reserves
·Review file documentation for required level of income and asset verifications
ii.Employment Status
·Review file documentation for required level of employment
iii.Monthly Mortgage Payment
·Confirm program, qualifying rate, terms
iv.Simultaneous Loans
·Validate all concurrent loans are included in the DTI to properly assess the ability to repay
v.Mortgage Related Obligations: PITI, HOA, PMI, etc.
·Validate subject loan monthly payment (PITI) and associated obligations
vi.Debts / Obligations
·Validate monthly recurring liabilities
vii.DTI and/or Residual Income
·Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file
·Documentation meets Appendix Q requirements for QM Loans
viii.Credit History
·Review credit report for credit history and required credit depth including any / all inquiries
·Determine representative credit score from credit report
  1. Validate loan-to-value (LTV) and combined loan-to-value
  2. Review borrower's occupancy
  3. Validation through third party resource of the subject properties most recent twelve (12) month sales history

 

  1. Confirm sufficient evidence in loan file, by reviewing the underwriter’s decision to approve the loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt
  2. Confirm that Final 1003 is sufficiently completed
  3. Provide Audit 1008 with accurate data based on file documentation
  4. Confirm Loan Approval conditions were met
  5. Review condominium questionnaire to verify all information is complete, prepared by an authorized representative, and address any red flags that may deem condominium project ineligible

Compliance Review

Consolidated Analytics performed a “Compliance Review” to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted blow, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

 

a.Recalculation of APR and Finance Charge
b.Testing of:
i.Federal High Cost Mortgage provisions
ii.Federal Higher Priced Mortgage Loans provisions
iii.Local and/or State Anti-predatory and High Cost provisions

 

c.Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures:
i.Right to Receive Copy of Appraisal

 

d.National Flood Insurance Program (NFIP) Review:
i.Adherence to flood insurance coverage
ii.Identification of flood zones
iii.Evidence of adequate coverage amounts

 

e.Fair Credit Reporting Act (FCRA)

 

f.Home Mortgage Disclosure Act (HMDA)

 

g.Confirm through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents
h.Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)
i.Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent with other documents; Confirm collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

 

 

Valuation Review

Consolidated Analytics performed a “Valuation Review,” which included the following:

 

a.Review original appraisal, determination that property is in "average" condition or better, or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be identified with the condition of the property, Consolidated Analytics will alert Client.
b.Review appraisal, determination that property is completely constructed and appraisal is on an “as is basis,” or property is identified as not completely constructed by originating appraiser.
c.Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.
d.Review and determine the relevance of the comparable properties and ensure that a rational and reliable value was provided and supported as of the effective date of the Origination Appraisal.
e.Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.
f.Ensure that the appraisal conforms to the guidelines provided from the Client.
g.Review appraisal to ensure all required documents were included.
h.Review location map provided within the appraisal for external obsolescence.
i.Ensure highest and best use and zoning complies with guidelines.
j.Confirm there are no marketability issues that affect the subject property.
k.Ensure subject property does not suffer any functional obsolescence.
l.Where applicable, determine if the file did not contain the appraisal or other valuation method and a review could not be performed.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product.

For loans reviewed in a post-close valuation review scenario (186 loans in total):

186 loans had Desktop Reviews which were provided by the client (186 CDAs). Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator or Consolidated Analytics.

If a loan with a Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed.

2055s were provided for zero loans to support value at origination.

0 loans had a Field Review.

 

Product totals may not sum due to multiple products for each loan.

 

 

 

 

 

 

 

 

TAPE INTEGRITY REVIEW RESULTS SUMMARY

Of the 186 mortgage loans reviewed, 11 unique mortgage loans (by loan count) had a total of 11 different tape discrepancies across 4 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

 

 

Fields Reviewed Discrepancy Count Percentage
Borrower_First_Name 1 9.09%
Escrow_Indicator 7 63.64%
Occupancy 1 9.09%
Property_Address 2 18.18%
Grand Total 11 100.00%
     

 

 

 

Summary of Results

OVERALL RESULTS SUMMARY

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade “B” or higher with 91.94% of the pool receiving an Overall “A” grade.

 

Final Loan Grades

 

 

Overall Loan Results:  
Event Grade Loan Count Original Principal Balance Percent of
Sample
Event  Grade A 171 $170,760,837 91.94%
Event  Grade B 15 $14,209,988 8.06%
Event  Grade C 0 $0.00 0%
Event  Grade D 0 $0.00 0%
Total Sample 186 $184,970,825 100%

 

Credit Results:
Event Grade Loan Count Percent of Sample
Event  Grade A 181 97.31%
Event  Grade B 5 2.69%
Event  Grade C 0 0%
Event  Grade D 0 0%
Total Sample 186 100%

 

 

Compliance Results:
Event Grade Loan Count Percent of Sample
Event  Grade A 177 95.16%

 

 

Event  Grade B 9 4.84%
Event  Grade C 0 0%
Event  Grade D 0 0%
Total Sample 186 100%

 

Valuation Results:
Event Grade Loan Count Percent of Sample
Event  Grade A 185 99.46%
Event  Grade B 1 0.54%
Ecvent  Grade C 0 0%
Event  Grade D 0 0%
Total Sample 186 100%

 

 

 

 

Exception Category Summary

The table below summarizes the individual exceptions which carried an associated “A”, “B”, “C”, or “D” level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of “B”, a Credit Grade of “A”, and a Property Grade of “A” would receive an overall Loan Grade of “B”).

 

 

Exception Type Exception Level Grade Exception Category Total
       
Credit A All Interested Parties Not Checked against Exclusionary Lists 1

 

    Appraisal date is greater than 120 days from Origination date. 10
Asset Documents are Incomplete 3
AUS is Missing 3
Balance Sheet Does Not Meet Guidelines 4
Borrower Employment Verification does not meet guidelines 9
Borrower Employment Verification is Unavailable 2
Borrower Employment Verification Level is missing 2
Borrower Income Verification does not match Approval 10
Borrower Income Verification is less than 12 months 1
Borrower Income Verification Level is Missing 1
Borrower Liabilities Verification Indicator is Partial 10
Borrower Transcript is Partial 3
Borrower Transcripts are missing 4
CoBorrower Employment Verification does not meet guidelines 6
CoBorrower Employment Verification is Unavailable 1
CoBorrower Employment Verification Level is Missing 1
CoBorrower Income Verification does not match Approval 3
CoBorrower Transcripts is Missing 2
Documentation for Recent Draws on HELOC is Missing 2
Executed HELOC closure letter not provided. 13
Final Loan Application is Missing 1

 

 

    Final Loan Application is Partial 1
Fraud Report is Only Partially Available 1
Fraud Report Missing 1
Fraud Report Shows Uncleared Alerts 2
Fully Executed Purchase Contract is Partial 1
Hazard Insurance Indicator is Partial 1
HMDA Data Tape Not Provided 173
HMDA Discrepancy(s) Noted 6
Housing history does not meet guidelines 9
Insufficient cash to close. 1
Liquid Reserves are less than Guidelines Required 4
Note Document Indicator is Missing 1
OFAC Check was not completed/Cleared. 1
Profit and Loss Does Not Meet Guidelines 2
Property is located in a FEMA disaster area 55
Qualifying DTI exceeds Guideline Maximum Allowable 1
Servicing Comments are Missing 173
Title Policy is Missing 1
Transmittal Summary is Missing 4
Trust Documentation Missing or Incomplete 9
Total Credit Grade (A) Exceptions: 539
       
Credit B CoBorrower Employment Verification does not meet guidelines 1
Hazard Insurance Indicator is Partial 4
Total Credit Grade (B) Exceptions: 5
       

 

 

Compliance A Affiliated Business Disclosure is Missing 1
ATR/QM Status is Pending 25
Cal. Fin. Code  § 4973(k) - Consumer Caution and Home Ownership Counseling Notice Disclosure was not provided 1
Charges That Cannot Increase Test 8
Charges That In Total Cannot Increase More Than 10% Test 5
Consummation or Reimbursement Date Validation Test 8
Homeownership Counseling Disclosure is Missing 1
Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test 1
Initial Closing Disclosure Delivery Date Test 2
Initial Loan Estimate Delivery Date Test (from application) 5
Intent to Proceed is Missing 1
Lender Credits That Cannot Decrease Test 1
Missing Taxpayer First Act Disclosure 1
Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure 6
Per Diem Interest Amount Test 1
Regulation § 1026.43(c)(2)(i) failure - The borrower(s) reasonably expected income or assets was not properly considered. 7
Regulation § 1026.43(c)(2)(ii) failure - The borrower(s) current employment status was not verified. 5
Regulation § 1026.43(c)(2)(vi) failure - The consumer's current debt obligations  alimony  and child support or other debt obligations were not confirmed and included in the DTI. 1
Regulation §1026.43(e)(2)(vi) failure - The Qualified Mortgage calculated DTI is greater than 43.00%. 1
Reimbursement Amount Test 7
RESPA Homeownership Counseling Organizations Disclosure Date Test 4
Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test 1
Revised Loan Estimate Delivery Date and Changed Circumstances Date Test 1
Right to Cancel is Missing 3
Right to Cancel is Partial 1
Security Instrument Indicator is Missing 5
The file does not contain a complete copy of the Closing Disclosure.  Unable to fully test for TRID tolerance. 2
The file does not contain a complete copy of the Loan Estimate.  Unable to fully test for TRID tolerance.    1
TILA Right of Rescission Test 9
TRID Initial Closing Disclosure Date and Funding Date Validation Test 1
Written List of Service Providers Disclosure Date Test 5
Total Compliance Grade (A) Exceptions: 121
       

 

 

Compliance B Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance 6
RESPA Homeownership Counseling Organizations Disclosure Date Test 1
Right to Cancel is Missing 1
Right to Cancel Transaction Date is different from the Transaction Date 1
Total Compliance Grade (B) Exceptions: 9
       
Valuation A Is Completion Certificate in file is No 1
Property located in FEMA Declared Disaster Area with no subsequent Property Inspection 1
Second Appraisal is Missing 1
Third Party Valuation Product not Provided 3
Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 2
Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. 1
Title Issues Present 6
UCDP Summary Report is Missing 1
Total Valuation Grade (A) Exceptions: 16
       

Valuation

 

B

 

 Second Appraisal is Missing 1
Total Valuation Grade (B) Exceptions: 1
   
   

 

 

Event Grade Definitions

Final Loan Grade
A Loan meets Credit, Compliance, and Valuation Guidelines
B The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines.  
C The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines.
D Loan is missing documentation to perform a sufficient review.

 

Credit Event Grades
A The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable.  The borrower’s willingness and ability to repay the loan is documented and reasonable.
B The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines.  The employment, income, assets and occupancy are supported and justifiable.  The borrower’s willingness and ability to repay the loan is documented and reasonable.  
C The loan does not substantially meet the published guidelines.  There are not sufficient compensating factors that justify exceeding the published guidelines.  The employment, income, assets or occupancy are not supported and justifiable.  The borrower’s willingness and ability to repay the loan were not documented or are unreasonable.
D There was not sufficient documentation to perform a review or the credit file was not furnished.

 

 

 

Compliance Event Grades
A The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties.
B The loan is in material compliance with all applicable laws and regulations.  The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required.
C The loan violates one material law or regulation.  The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents.
D There was not sufficient documentation to perform a review or the required legal documents were not furnished.

 

Valuation Event Grades
A The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination.  The appraiser was appropriately licensed and used GSE approved forms.
B The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller.  The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines.  The appraisal was performed on an "as-is" basis and the property is complete and habitable.  The appraiser was appropriately licensed and used GSE approved forms.  
C The value is not supported within 10% of the original appraisal.  The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines.  The property is in below “average” condition or the property is not complete or requires significant repairs.  The appraisal was not performed on an “as is” basis.  The appraiser was not appropriately licensed or did not use GSE approved forms.
D The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

 

 

 

 

Exhibit 99.22

 

Account Number Field ID Original Field Value Audit Value Match
OBX2021J30352 Escrow_Indicator Taxes and Insurance No Escrows FALSE
OBX2021J30355 Escrow_Indicator No Escorws Taxes and Insurance FALSE
OBX2021J30437 Escrow_Indicator Taxes and Insurance No Escrows FALSE
OBX2021J30500 Property_Address XXXX XXXX FALSE
OBX2021J30468 Occupancy XXXX XXXX FALSE
OBX2021J30493 Property_Address XXXX XXXX FALSE
OBX2021J30415 Borrower_First_Name XXXX XXXX FALSE
OBX2021J30503 Escrow_Indicator No Escorws Taxes and Insurance FALSE
OBX2021J30504 Escrow_Indicator No Escorws Taxes and Insurance FALSE
OBX2021J30502 Escrow_Indicator No Escorws Taxes and Insurance FALSE
OBX2021J30232 Escrow_Indicator No Escorws Taxes and Insurance FALSE

 

 

Exhibit 99.23

 

Loan Number Pool ID Alternate Loan Number Original Balance State Loan Exception Status Initial Fitch Exception Grade Final Fitch Exception Grade Initial S&P Exception Grade Final S&P Exception Grade Initial Moodys Exception Grade Final Moodys Exception Grade Initial KBRA Exception Grade Final KBRA Exception Grade Initial DBRS Exception Grade Final DBRS Exception Grade Category Breach ID Breach Name Initial Breach Date Initial Comments Client/Seller Response Comments Conclusion Date Conclusion Comments Date Cleared Canceled or Exception Remains Note Must State Final Status Waiver or Exception Waiver or Exception Made By Compensating Factors General Comments
OBX2021J30278 Flow XXXXX $XXXXX CA Cleared A A A A A A A A A A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX. FEMA declared XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.    ;   XX/XX/XXXX XX/XX/XXXX  - The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only. ; XX/XX/XXXX  - FEMA declared XXX.  The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only. ;
; XX/XX/XXXX  - Post disaster inspection confirms no property damage		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX.  
OBX2021J30278 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.  ; XX/XX/XXXX  - Servicing comments are missing. Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX.  
OBX2021J30278 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Loan file does not contain proof of expenses for property located XXX. Lender must provide evidence of Taxes/Insurance/HOA if applicable. ;   XX/XX/XXXX XX/XX/XXXX  - The exception 'ATR/QM Status is Pending' is cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX.  
OBX2021J30278 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Regulation § XXXXXX(c)(X)(vi) failure - The consumer's current debt obligations  alimony  and child support or other debt obligations were not confirmed and included in the DTI. XX/XX/XXXX XX/XX/XXXX  - The consumer's current debt obligations, alimony, and child support or other debt obligations were not confirmed and included in the DTI or excluded per lender guidelines. Loan file does not contain proof of expenses for property located XXX. Lender must provide evidence of Taxes/Insurance/HOA if applicable. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided documentation XXX  is an AKA of the subject property: XXX i one in the same. The APN is the same for both, the property plat shows access from both streets. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX.  
OBX2021J30278 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply); XX/XX/XXXX  - HMDA data tape not provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. ;   XX/XX/XXXX XX/XX/XXXX  - Received email confirmation from XXXX, confirming audit values are correct, condition cleared. ; XX/XX/XXXX  - HMDA data tape provided.; XX/XX/XXXX  - XX/XX/XXXX:  A HMDA Data Discrepancy has been identified for Loan Purpose.  Audit Loan Purpose: Cashout Refinance vs Data Tape Home Improvement (per the XXXX).  For HMDA purposes, the only time we classify as a home improvement is if the home was owned free and clear and the borrower took cash out to do home improvements.   Lender may clear by acknowledging audit values are correct.;     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX.  
OBX2021J30105 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30105 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30411 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Credit XXXXX CoBorrower Employment Verification is Unavailable XX/XX/XXXX XX/XX/XXXX  - CoBorrower employment verification is Unavailable; XX/XX/XXXX  - CoBorrower VVOE is not within XX days prior to the Note date.;   XX/XX/XXXX XX/XX/XXXX  - CoBorrower employment verification is Stated Level X Verified (as defined)     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30411 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Credit XXXXX CoBorrower Employment Verification Level is Missing XX/XX/XXXX XX/XX/XXXX  - CoBorrower VVOE is not within XX days prior to the Note date.; XX/XX/XXXX  - The coborrower employment verification is Missing;   XX/XX/XXXX XX/XX/XXXX  - The coborrower employment verification is Level X - Verified-direct independent verif w/Xrd party     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30411 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor reqeust, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30411 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. VOE for Co-Borrower within XX days prior to Note date is required.;   XX/XX/XXXX XX/XX/XXXX  - The exception 'ATR/QM Status is Pending' is cleared. Lender provided the VVOE for the Co-borrower.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30411 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA date review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30411 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Credit XXXXX Borrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Condition added XX/XX/XXXX:  Missing VVOE dated XX business days prior to the Note date.  Note date XX/XX/XXXX, VVOE in file dated XX/XX/XXXX. ;   XX/XX/XXXX XX/XX/XXXX  - Verbal VVOE for Borrower provided dated within XX business days prior to the note date, condition cleared.; XX/XX/XXXX  - The exception 'Borrower Employment Verification does not meet guidelines' is cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30411 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Credit XXXXX Asset Documents are Incomplete XX/XX/XXXX XX/XX/XXXX  - Asset Documents are Incomplete:   Condition added XX/XX/XXXX:  Borrowers needed $XXX to close.  File verified $XXX liquid, therefore short $XXXliquid.   It appears the borrower may have liquated stock with XXX per pg XXX for $XXX on XX/XX/XXXX, however XXX months prior bank statements for XXX not provided in the loan file, nor evidence they deposited the funds into their accounts.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided copy of XXXX bank statement reflecting the $XX,XXX transfer and balance of $XXX as of the date of the transfer.  Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30252 Flow XXXXX $XXXXX OR Cleared C A C A C A C A C A Compliance XXXXX Consummation or Reimbursement Date Validation Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.;   XX/XX/XXXX XX/XX/XXXX  - This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; XX/XX/XXXX  - Lender provided the COC - The Funding Fee increased by $XXXXX, and the Underwriting Fee increased by $XXXXX. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30252 Flow XXXXX $XXXXX OR Cleared C A C A C A C A C A Compliance XXXXX Charges That Cannot Increase Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - The Funding Fee increased by $XXXXX, and the Underwriting Fee increased by $XXXXX with no COC.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXXXXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - Lender provided the COC - The Funding Fee increased by $XXXXX, and the Underwriting Fee increased by $XXXXX. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30252 Flow XXXXX $XXXXX OR Cleared C A C A C A C A C A Compliance XXXXX Reimbursement Amount Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXXXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; XX/XX/XXXX  - This loan failed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXXXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; XX/XX/XXXX  - Lender provided the COC - The Funding Fee increased by $XXXXX, and the Underwriting Fee increased by $XXXXX. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30252 Flow XXXXX $XXXXX OR Cleared A A A A A A A A A A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete  (Additonal conditions may apply). ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30252 Flow XXXXX $XXXXX OR Cleared C A C A C A C A C A Credit XXXXX Borrower Income Verification does not match Approval XX/XX/XXXX XX/XX/XXXX  - The borrower income verification does not match approval/ Need XXX years IRS Tax Transcripts.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided XXXX and XXXX tax transcripts.  Condition cleared.; XX/XX/XXXX  - The borrower income verification does match approval     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30252 Flow XXXXX $XXXXX OR Cleared C A C A C A C A C A Credit XXXXX Borrower Transcripts are missing XX/XX/XXXX XX/XX/XXXX  - Tax returns transripts from IRS are requiried and were not included in the file. ; XX/XX/XXXX  - The borrower transcripts is Missing;   XX/XX/XXXX XX/XX/XXXX  - Lender provided XXXX and XXXX tax transcripts.  Condition cleared.; XX/XX/XXXX  - The borrower XXXXT is Present     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30252 Flow XXXXX $XXXXX OR Cleared A A A A A A A A A A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from teh seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additonal conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30252 Flow XXXXX $XXXXX OR Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Need XXX years IRS Tax Transcripts.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided XXXX and XXXX tax transcripts.  Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30252 Flow XXXXX $XXXXX OR Cleared C A C A C A C A C A Compliance XXXXX Regulation § XXXXXX(c)(X)(i) failure - The borrower(s) reasonably expected income or assets was not properly considered. XX/XX/XXXX XX/XX/XXXX  - The borrower(s) reasonably expected income or assets was not properly considered. Need XXX years IRS Tax Transcripts.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided XXXX and XXXX tax transcripts.  Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30199 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30199 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30203 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Compliance XXXXX Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure XX/XX/XXXX XX/XX/XXXX  - Original PI Payment on Note matches Final CD
From Hard Coded form in template:
'Closing Disclosure' at XX/XX/XXXX; 		  XX/XX/XXXX XX/XX/XXXX  - Original PI Payment on Note matches Final CD     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30203 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor reqeust, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30203 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30027 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30027 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q.; XX/XX/XXXX  - ATR/QM is pending receipt of lease(s) on XXXX-XXXX Millbranch Road property;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'ATR/QM Status is Pending' from Cleared to Rescind.; XX/XX/XXXX  - Audit reviewed Lenders response and re-reviewed file. Condition rescinded.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30027 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Regulation § XXXXXX(c)(X)(i) failure - The borrower(s) reasonably expected income or assets was not properly considered. XX/XX/XXXX XX/XX/XXXX  - Rental income was used on the property located at XXXX-XXXX Millbranch Road, Memphis, TN; however, no leases were found in the file for this property and are required.; XX/XX/XXXX  - The borrower(s) reasonably expected income or assets was not properly considered.;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'Regulation § XXXXXX(c)(X)(i) failure - The borrower(s) reasonably expected income or assets was not properly considered.' from Cleared to Rescind.; XX/XX/XXXX  - Audit reviewed Lenders response and re-reviewed file. Condition rescinded.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30027 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA tape provided. No level X discrepancies noted. Condition cleared;
; XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply)		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30028 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure XX/XX/XXXX XX/XX/XXXX  - Original PI Payment on Note matches Final CD
From Hard Coded form in template:
'Closing Disclosure' at XX/XX/XXXX; 		  XX/XX/XXXX XX/XX/XXXX  - Original PI Payment on Note matches Final CD     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30028 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30028 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA Data Review.  HMDA Data Tape was not provided - Lender to provide.  Tape can be emailed. (Please note: additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30001 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX CoBorrower Income Verification does not match Approval XX/XX/XXXX XX/XX/XXXX  - The coborrower income verification does not match approval: Missing XXXX W4.;   XX/XX/XXXX XX/XX/XXXX  - Audit reviewed Lenders response and re-reviewed file. Condition rescinded.; XX/XX/XXXX  - The coborrower income verification does match approval     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30001 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Appraisal date is greater than XXX days from Origination date. XX/XX/XXXX XX/XX/XXXX  - Appraisal dated XX/XX/XXXX is greater than XXX days from Note date of XX/XX/XXXX.; XX/XX/XXXX  - Appraisal date is within XXX days of Note date.;   XX/XX/XXXX XX/XX/XXXX  - XXX in file; XX/XX/XXXX  - Change status of 'Appraisal date is greater than XXX days from Origination date.' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Appraisal date is greater than XXX days from Origination date.' from Material to Non-Material.; XX/XX/XXXX  - Appraisal dated XX/XX/XXXX is greater than XXX days from Note date of XX/XX/XXXX.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30001 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30001 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Housing history does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Housing history does not meet guidelines. Missing XX/XX mortgage history for XXX, XX, XXX. ;   XX/XX/XXXX XX/XX/XXXX  - Housing delinquency meets guidelines. Lender provided Mortgage Histories. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30001 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Trust Documentation Missing or Incomplete XX/XX/XXXX XX/XX/XXXX  - Trust document is not properly executed or missing.  Unable to determine if signatures on note are accurate.  Multiple trust certs in file are not completed, signed and notarized as required.;   XX/XX/XXXX XX/XX/XXXX  - Client provided trust document that was missing. Lender provided executed and notarized COT. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30001 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA review complete, please see additional condition added; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30001 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX HMDA Discrepancy(s) Noted XX/XX/XXXX XX/XX/XXXX  - Added XX/XX/XXXX) HMDA Review Completed.   A HMDA Data Discrepancy has been identified for Total Loan Costs.  Audit Total Loan Costs $XX,XXX vs Data Tape Total Loan Costs $XX,XXXXX. Lender may clear condition by acknowledging audit value is correct.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX - Lender agrees with Audit's findings. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30192 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided.Loan is pending HMDA data review.Condition for informational purposes only.Due Diligence firm to complete.(Additional conditions may apply);   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30192 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Compliance XXXXX TILA Right of Rescission Test XX/XX/XXXX XX/XX/XXXX  - Right of Rescission is up on XX/XX/XXXX however the loan was disbursed on XX/XX/XXXX during the rescission period.; XX/XX/XXXX  - This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; 		  XX/XX/XXXX XX/XX/XXXX  - Lender provided PCCD reflecting disbursement date after the RTC cancellation date.  Rescission is within tolerance.  Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30192 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request,please provide all servicing comment histories from seller/servicer to confirm borrowers have not inquired about or requested COVID XX relief assistance after closing.Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared B A B A B A B A B A Compliance XXXXX RESPA Homeownership Counseling Organizations Disclosure Date Test XX/XX/XXXX XX/XX/XXXX  - The loan application date was X/XX/XX and the disclosures were sent on X/XX/XX, a total of four business days (one of the days was Saturday)  Please clarify if Lender is open for business to the Public on Saturdays, if not open, please provide an attestation verifying the Lender is not open for business to the public on Saturdays.; XX/XX/XXXX  - This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR §XXXXXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXXXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the homeownership counseling organizations disclosure date test. ( XX CFR §XXXXXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXXXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations.; XX/XX/XXXX  - Lender provided varication not open on Saturdays. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Compliance XXXXX Initial Loan Estimate Delivery Date Test (from application) XX/XX/XXXX XX/XX/XXXX  - The loan application date was X/XX/XX and the disclosures were sent on X/XX/XX, a total of four business days (one of the days was Saturday)  Please clarify if Lender is open for business to the Public on Saturdays, if not open, plesae provide an attestation verifying the Lender is not open for business to the public on Saturdays. ; XX/XX/XXXX  - This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR §XXXXXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $X, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXXXXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the initial loan estimate delivery date test (from application).( XX CFR §XXXXXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.This calculation takes into account a user-submitted  designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXXXXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.; XX/XX/XXXX  - Lender provided varication not open on Saturdays. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Compliance XXXXX Consummation or Reimbursement Date Validation Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; XX/XX/XXXX  - The loan application date was X/XX/XX and the disclosures were sent on X/XX/XX, a total of four business days (one of the days was Saturday) Please clarify if Lender is open for business to the Public on Saturdays, if not open, please provide an attestation verifying the Lender is not open for business to the public on Saturdays.;   XX/XX/XXXX XX/XX/XXXX  - This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; XX/XX/XXXX  - Lender provided varication not open on Saturdays. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Compliance XXXXX Charges That Cannot Increase Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - The loan application date was X/XX/XX and the disclosures were sent on X/XX/XX, a total of four business days (one of the days was Saturday) Please clarify if Lender is open for business to the Public on Saturdays, if not open, please provide an attestation verifying the Lender is not open for business to the public on Saturdays.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXXXXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - Lender provided varication not open on Saturdays. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Compliance XXXXX Charges That In Total Cannot Increase More Than XXX% Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).; XX/XX/XXXX  - The loan application date was X/XX/XX and the disclosures were sent on X/XX/XX, a total of four business days (one of the days was Saturday) Please clarify if Lender is open for business to the Public on Saturdays, if not open, please provide an attestation verifying the Lender is not open for business to the public on Saturdays.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXXXX) do not exceed the comparable charges ($XXXXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).; XX/XX/XXXX  - Lender provided varication not open on Saturdays. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Compliance XXXXX Reimbursement Amount Test XX/XX/XXXX XX/XX/XXXX  -  The loan application date was X/XX/XX and the disclosures were sent on X/XX/XX, a total of four business days (one of the days was Saturday) Please clarify if Lender is open for business to the Public on Saturdays, if not open, please provide an attestation verifying the Lender is not open for business to the public on Saturdays.; XX/XX/XXXX  - This loan failed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX,XXXXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; XX/XX/XXXX  - Lender provided varication not open on Saturdays. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Compliance XXXXX Written List of Service Providers Disclosure Date Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( XX CFR §XXXXXX(e)(X)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXXXX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXXXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXXXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXXXX(e)(X)(e)(X)(iii).; XX/XX/XXXX  - The loan application date was X/XX/XX and the disclosures were sent on X/XX/XX, a total of four business days (one of the days was Saturday) Please clarify if Lender is open for business to the Public on Saturdays, if not open, please provide an attestation verifying the Lender is not open for business to the public on Saturdays.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the written list of service providers disclosure date test due to the following reasons: ( XX CFR §XXXXXX(e)(X)(vi) )The written list of service providers disclosure date is not less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; andThe written list of service providers disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or mortgage broker receives the consumer's written application.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXXXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXXXX(e)(X)(e)(X)(iii).; XX/XX/XXXX  - Lender provided varication not open on Saturdays. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Credit XXXXX Balance Sheet Does Not Meet Guidelines XX/XX/XXXX XX/XX/XXXX  - Balance Sheet Does Not Meet Guidelines.; XX/XX/XXXX  - The guidelines require a balance sheet to be submitted for self-employed borrowers. The file did not contain a balance sheet.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Balance sheet. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q.; XX/XX/XXXX  - The file did not contain a year to date profit and loss statement for a balance sheet.;   XX/XX/XXXX XX/XX/XXXX  - Upon further review of the P&amp;L’s that were provided and prepared by a Controller, we have determined that they are the companies P&amp;L. We were also able to confirm the officer’s salary, as W-4's and YTD paystubs were provided in the loan file. Balance Sheets provided as well. Condition cleared.; XX/XX/XXXX  - The exception 'ATR/QM Status is Pending' is cleared.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Income on P&amp;L appear to be lower than Lenders calculated income. Please provide documentation if P&amp;L is for borrowers portion (XXX% ownership) or companies P&amp;L. Also, Please provide documentation stating how much of officers salary is borrowers. Condition remains.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Compliance XXXXX Regulation § XXXXXX(c)(X)(i) failure - The borrower(s) reasonably expected income or assets was not properly considered. XX/XX/XXXX XX/XX/XXXX  - The borrower(s) reasonably expected income or assets was not properly considered.; XX/XX/XXXX  - The file did not contain a year to date profit and loss or a balance sheet as required.;   XX/XX/XXXX XX/XX/XXXX  - Upon further review of the P&amp;L’s that were provided and prepared by a Controller, we have determined that they are the companies P&amp;L. We were also able to confirm the officer’s salary, as W-4's and YTD paystubs were provided in the loan file. Balance Sheets provided as well. Condition cleared.; XX/XX/XXXX  - The exception 'Regulation § XXXXXX(c)(X)(i) failure - The borrower(s) reasonably expected income or assets was not properly considered.' is cleared.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Income on P&amp;L appear to be lower than Lenders calculated income. Please provide documentation if P&amp;L is for borrowers portion (XXX% ownership) or companies P&amp;L. Also, Please provide documentation stating how much of officers salary is borrowers. Condition remains.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Credit XXXXX Profit and Loss Does Not Meet Guidelines XX/XX/XXXX XX/XX/XXXX  - Profit and Loss Does Not Meet Guidelines; XX/XX/XXXX  - The guidelines require a year to date profit and loss statement for self-employed borrowers. The file was missing a YTD P&amp;L  statement,;   XX/XX/XXXX XX/XX/XXXX  - Upon further review of the P&amp;L’s that were provided and prepared by a Controller, we have determined that they are the companies P&amp;L. We were also able to confirm the officer’s salary, as W-4's and YTD paystubs were provided in the loan file. Balance Sheets provided as well. Condition cleared.; XX/XX/XXXX  - The exception 'Profit and Loss Does Not Meet Guidelines' is cleared.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Income on P&amp;L appear to be lower than Lenders calculated income. Please provide documentation if P&amp;L is for borrowers portion (XXX% ownership) or companies P&amp;L. Also, Please provide documentation stating how much of officers salary is borrowers. Condition remains.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30262 Flow XXXXX $XXXXX WA Cleared D A D A D A C A C A Credit XXXXX Borrower Transcript is Partial XX/XX/XXXX XX/XX/XXXX  - The borrower Transcript is Partial. Lender requires  XXX years Transcripts for Self Employed XXXX's.; XX/XX/XXXX  - The guidelines require that self-employed borrowers submit XXXXX years business and personal tax returns as well as a year to date profit and loss statement and balance sheet. The file did not contain a year to date profit and loss or a balance sheet.; XX/XX/XXXX  - The borrower Transcript is Partial;   XX/XX/XXXX XX/XX/XXXX  - XXX years IRS Business Transcripts provided, condition cleared.; XX/XX/XXXX  - The borrower transcript is Present     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30390 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30390 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30003 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX. Post disaster inpection report provided in loan file pg XXX dated X/XX/XX, reflects no damage.;   XX/XX/XXXX XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30003 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Appraisal date is greater than XXX days from Origination date. XX/XX/XXXX XX/XX/XXXX  - second appraisal was done and a re-cert in value provided; XX/XX/XXXX  - Appraisal dated XXX/XX/XXXX is greater than XXX days from Note date of XX/XX/XXXX.;   XX/XX/XXXX XX/XX/XXXX  - First appraisal dated XX/XX/XXXX pg XXX, recert of value provided pg XXX dated XX/XX/XXXX.  Second appraisal dated XXX/XX/XXXX, recert of value provided pg XXX dated XX/XX/XXXX.   Both supporting origianl value.; XX/XX/XXXX  - Change status of 'Appraisal date is greater than XXX days from Origination date.' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Appraisal date is greater than XXX days from Origination date.' from Material to Non-Material.; XX/XX/XXXX  - Appraisal dated XX/XX/XXXX is greater than XXX days from Note date of XX/XX/XXXX.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30003 Flow XXXXX $XXXXX CA Cleared D A D A D A C A C A Credit XXXXX Borrower Liabilities Verification Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Borrower liabilities verified indicator is Partial. Missing payment history and payment schedule for XXXX loan (Item #X payment terms).;   XX/XX/XXXX XX/XX/XXXX  - Subject loan in question is a PPP loan (Paycheck Protection Program under the CARES Act).  Loan does not need to be counted in the DTI, however to be conservative, Lender did include, no further documenation is required, condition cleared.; XX/XX/XXXX  - Borrower liabilities verified indicator is Present     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30003 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request , please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30003 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.Loan is pending HMDA data review.Condition for informational purposes only.Due Diligence firm to complete.(Additional conditions may apply); XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30003 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Income Verification does not match Approval XX/XX/XXXX XX/XX/XXXX  - The borrower income verification does not match approval. Missing XXXX XXXX Statement #X ND XXXX XXXX Statement #X (Pages are cut off).;   XX/XX/XXXX XX/XX/XXXX  - Lender provided missing Tax schedules. Condition cleared.; XX/XX/XXXX  - The borrower income verification does match approval     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30265 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30265 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply); XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30082 Flow XXXXX $XXXXX WA Acknowledged C B C B C B C B C B Compliance XXXXX Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance ' from Material to Non-Material.; XX/XX/XXXX  - Incorrect rescission model used - RTC form modelH-X used for Same Lender or Lender Affiliate Refinance ;   XX/XX/XXXX XX/XX/XXXX  - This is deemed non material, loan will be graded a B.; XX/XX/XXXX  - Change status of 'Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance ' from Active to Acknowledged by Client. Waiver Client Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30082 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply); XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30082 Flow XXXXX $XXXXX WA Acknowledged C B C B C B C B C B Compliance XXXXX Right to Cancel Transaction Date is different from the Transaction Date XX/XX/XXXX XX/XX/XXXX  - The right to cancel transaction date of XX/XX/XXXX is different from the note date of XX/XX/XXXX;   XX/XX/XXXX XX/XX/XXXX  - Lender provided RTC. Condition cleared.; XX/XX/XXXX  - NA; XX/XX/XXXX  - Change status of 'Right to Cancel Transaction Date is different from the Transaction Date' from Active to Acknowledged by Client. Waiver Client Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30082 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30082 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Credit XXXXX Borrower Income Verification does not match Approval XX/XX/XXXX XX/XX/XXXX  - The borrower income verification does not match approval. Need IRS Transcripts for the XXXX/K-X  business.;   XX/XX/XXXX XX/XX/XXXX  - The borrower income verification does match approval; XX/XX/XXXX  - Lender provided tax transcripts.  Condition cleared.; XX/XX/XXXX  - Lender provided tax return and tax transcript for personal tax return; however, did not provide tax transcript for business XXX.  Condition retained.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide XXXX/XXXX Transcripts for XXX. Condition remains.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30082 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Credit XXXXX CoBorrower Income Verification does not match Approval XX/XX/XXXX XX/XX/XXXX  - The coborrower income verification does not match approval. Need IRS Transcripts for the XXXX/K-X  business.;   XX/XX/XXXX XX/XX/XXXX  - The coborrower income verification does match approval; XX/XX/XXXX  - Lender provided tax transcripts.  Condition cleared.; XX/XX/XXXX  - Lender provided a partial transcript that appears to be for personal tax returns.  The tax transcript for business XXX was not provided.  Condition retained.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30007 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed. No Level X findings noted; condition cleared. ; XX/XX/XXXX  - HMDA data tape provided.; XX/XX/XXXX  - Change severity of 'HMDA Data Tape Not Provided' from Material to Non-Material.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30007 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: I can confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30007 Flow XXXXX $XXXXX IL Cleared D A D A D A C A C A Credit XXXXX Borrower Liabilities Verification Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Missing proof of insurance for the property located at XXX . ; XX/XX/XXXX  - Borrower liabilities verified indicator is Partial. Missing proof that the property located at XXX   XXXXX is owned free and clear. ;   XX/XX/XXXX XX/XX/XXXX  - Borrower liabilities verified indicator is Present; XX/XX/XXXX  - Lender provided verification XXX    is owned free and clear; however, did not provide verification of insurance for XXX .  Condition retained.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30007 Flow XXXXX $XXXXX IL Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q.  Missing proof that the property located at XXX   XXXXX is owned free and clear.  Missing proof of insurance for the property located at XXX . ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided proof of property insurance for XXX , and XXX   XXXXX is owned free and clear.  Condition cleared.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30007 Flow XXXXX $XXXXX IL Cleared C A C A C A C A C A Credit XXXXX Appraisal date is greater than XXX days from Origination date. XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Appraisal date is greater than XXX days from Origination date.' from Material to Non-Material.; XX/XX/XXXX  - A recertification was provided in the loan file on page XXXX, dated XXX.XX supporting the original appraised value. ; XX/XX/XXXX  - Appraisal dated XXX/XX/XXXX is greater than XXX days from Note date of XX/XX/XXXX.;   XX/XX/XXXX XX/XX/XXXX  - .; XX/XX/XXXX  - Change status of 'Appraisal date is greater than XXX days from Origination date.' from Active to Acknowledged by Client.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30356 Flow XXXXX $XXXXX TX Cleared A A A A A A A A A A Credit XXXXX Balance Sheet Does Not Meet Guidelines XX/XX/XXXX XX/XX/XXXX  - Balance Sheet Does Not Meet Guidelines: Borrower is a minority partner in X partnerships (XXX% owner). One partnership showed a loss for XXXX and XXXX. A balance sheet is required for this entity..(E.F Properties L.C);   XX/XX/XXXX XX/XX/XXXX  - The exception 'Balance Sheet Does Not Meet Guidelines' is cleared.; XX/XX/XXXX  - Audit re-reviewed loan file. Condition rescinded; XX/XX/XXXX  - Change status of 'Balance Sheet Does Not Meet Guidelines' from Cleared to Rescind.; XX/XX/XXXX  - Audit re-reviewed loan file. Condition rescinded.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30356 Flow XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional condtions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30356 Flow XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape Provided. Loan is pending HMDA review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30356 Flow XXXXX $XXXXX TX Cleared D A D A D A C A C A Compliance XXXXX Right to Cancel is Partial XX/XX/XXXX XX/XX/XXXX  - The right to cancel is Partial; XX/XX/XXXX  - The right to cancel was not signed by the borrowers;   XX/XX/XXXX XX/XX/XXXX  - Lender provided RTC. Condition cleared.; XX/XX/XXXX  - The right to cancel is Present     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30356 Flow XXXXX $XXXXX TX Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  -FEMA declared XXX .  The appraisal in file is dated XX/XX/XXXX and shows no damage, however the appraisal date is prior to the FEMA release date.   A Post Disaster Inspection is required.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided PDI (dated XX/XX/XXXX). Condition cleared.; XX/XX/XXXX  - Post disaster inspection confirms no property damage; XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Non-Material to Material.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30356 Flow XXXXX $XXXXX TX Cleared C A C A C A C A C A Credit XXXXX All Interested Parties Not Checked against Exclusionary Lists XX/XX/XXXX XX/XX/XXXX  - All Interested Parties Not Checked against Exclusionary Lists;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Fraud report. Condition cleared.; XX/XX/XXXX  - All Interested parties were checked and cleared with Exclusionary Lists     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30356 Flow XXXXX $XXXXX TX Cleared C A C A C A C A C A Credit XXXXX OFAC Check was not completed/Cleared. XX/XX/XXXX XX/XX/XXXX  - Not all parties to transaction were included in OFAC check(pg XXX-XXX; XX/XX/XXXX  - OFAC Check was not completed/cleared.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Fraud report. Condition cleared.; XX/XX/XXXX  - OFAC Check was completed and cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30356 Flow XXXXX $XXXXX TX Cleared C A C A C A C A C A Property XXXXX Property located in FEMA Declared Disaster Area with no subsequent Property Inspection XX/XX/XXXX XX/XX/XXXX  -FEMA declared XXX .  The appraisal in file is dated XX/XX/XXXX and shows no damage, however the appraisal date is prior to the FEMA release date.   A Post Disaster Inspection is required.  ; XX/XX/XXXX  - Change severity of 'Property located in FEMA Declared Disaster Area with no subsequent Property Inspection' from Material to Non-Material.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided PDI (dated XX/XX/XXXX). Condition cleared.; XX/XX/XXXX  - Post Disaster Inspection provided     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30356 Flow XXXXX $XXXXX TX Cleared C A C A C A C A C A Compliance XXXXX Initial Closing Disclosure Delivery Date Test XX/XX/XXXX XX/XX/XXXX  - The initial closing disclosure delivery date was X/XX/XX and the consummation date was X/XX/XX; XX/XX/XXXX  - This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR §XXXXXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXXXX(f)(X)(i) no later than three business days before consummation.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the initial closing disclosure delivery date test.( XX CFR §XXXXXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXXXX(f)(X)(i) no later than three business days before consummation.; XX/XX/XXXX  - Lender provided Disclosure tracking. Condition cleared.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Documentation provided is for a different borrower. Please provide Tracking details verifying Borrowers receipt date of Initial CD. Condition remains.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30356 Flow XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX Fraud Report is Only Partially Available XX/XX/XXXX XX/XX/XXXX  - Partial fraud report provided.; XX/XX/XXXX  - A complete fraud report was not provided. Searches  for OFAC and one SAM search were the only items provided.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided update Fraud report and documentation. Condition cleared.; XX/XX/XXXX  - Complete fraud report provided.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Judgement for Borrower PG XX of fraud report and Real Estate Agent (Amanda) alerts on fraud report not cleared. Condition remains.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30002 Flow XXXXX $XXXXX CA Cleared A A A A A A A A A A Credit XXXXX Borrower Liabilities Verification Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Notes from lender (pg XXX), indicate rental property located at XXX with a new proposed loan amount of $XXX,XXX with XXXX,  however audit was unable locate any documentation in the loan file confirming the PITIA payment of $XXXXXX.  ;   XX/XX/XXXX XX/XX/XXXX  - Borrower liabilities verified indicator is Present     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30002 Flow XXXXX $XXXXX CA Cleared A A A A A A A A A A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided confirmation that borrower has not made any COVID relief inquires. Condition cleared.     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30002 Flow XXXXX $XXXXX CA Cleared A A A A A A A A A A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply);   XX/XX/XXXX XX/XX/XXXX  - HMDA tape provided, no level X discrepancies noted. Condition cleared.     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30002 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Transcripts are missing XX/XX/XXXX XX/XX/XXXX  - The borrower transcripts is Missing.  Please provide XXXX IRS Wage Transcripts to validate the W-4 income that was utilized in qualifying. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided copy of the XXXX W4 transcript. Condition cleared. ; XX/XX/XXXX  - Lender provided copy of extension; however, pending XXXX W4 transcript. Condition retained.     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30002 Flow XXXXX $XXXXX CA Cleared D A D A D A C A C A Credit XXXXX CoBorrower Transcripts is Missing XX/XX/XXXX XX/XX/XXXX  - The coborrower Transcripts is Missing:  please provide XXXX IRS Wage Transcripts to validate the W-4 income that was utilized in qualifying. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided copy of the XXXX W4 transcript for the co-borrower. Condition cleared.; XX/XX/XXXX  - Lender provided copy of extension; however, pending XXXX W4 transcript. Condition retained.     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30002 Flow XXXXX $XXXXX CA Cleared B A B A B A B A B A Compliance XXXXX RESPA Homeownership Counseling Organizations Disclosure Date Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR §XXXXXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXXXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations.; XX/XX/XXXX  - Per the HOEPA disclosure located on page XX, the initial application date was XX/XX/XXXX.  Audit acknowledges that the Lender is not open for business on Saturdays, therefore the third business day would have been XX/XX/XXXX, disclosures are dated after on XX/XX/XXXX.  ;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the homeownership counseling organizations disclosure date test. ( XX CFR §XXXXXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXXXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations.; XX/XX/XXXX  - This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR §XXXXXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXXXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations.; XX/XX/XXXX  - This loan passed the written list of service providers disclosure date test.  Lender provided a copy of the initial loan disclosure package dated XX/XX/XXXX.; XX/XX/XXXX  - Condition is not material. Lender provided proof disclosure was sent on XX/XX/XXXX. Final grade will be a B.     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30002 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Initial Loan Estimate Delivery Date Test (from application) XX/XX/XXXX XX/XX/XXXX  - This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR §XXXXXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $X, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXXXXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.; XX/XX/XXXX  - Per the HOEPA disclosure located on page XX, the initial application date was XX/XX/XXXX.  Audit acknowledges that the Lender is not open for business on Saturdays, therefore the third business day would have been XX/XX/XXXX, disclosures are dated after on XX/XX/XXXX.  ;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the initial loan estimate delivery date test (from application).( XX CFR §XXXXXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.This calculation takes into account a user-submitted  designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXXXXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30002 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Written List of Service Providers Disclosure Date Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( XX CFR §XXXXXX(e)(X)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXXXX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXXXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXXXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXXXX(e)(X)(e)(X)(iii).; XX/XX/XXXX  - Per the HOEPA disclosure located on page XX, the initial application date was XX/XX/XXXX.  Audit acknowledges that the Lender is not open for business on Saturdays, therefore the third business day would have been XX/XX/XXXX, disclosures are dated after on XX/XX/XXXX.  ;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the written list of service providers disclosure date test due to the following reasons: ( XX CFR §XXXXXX(e)(X)(vi) )The written list of service providers disclosure date is not less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; andThe written list of service providers disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or mortgage broker receives the consumer's written application.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXXXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXXXX(e)(X)(e)(X)(iii).; XX/XX/XXXX  - This loan passed the written list of service providers disclosure date test.  Lender provided a copy of the initial loan disclosure package dated XX/XX/XXXX.     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30002 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Consummation or Reimbursement Date Validation Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; XX/XX/XXXX  - Per the HOEPA disclosure located on page XX, the initial application date was XX/XX/XXXX.  Audit acknowledges that the Lender is not open for business on Saturdays, therefore the third business day would have been XX/XX/XXXX, disclosures are dated after on XX/XX/XXXX.  ;   XX/XX/XXXX XX/XX/XXXX  - This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; XX/XX/XXXX  - Lender provided LOE, proof of delivery and copy of refund check for $XXXX for recording fees over the limit. Lender moved Title-Loan Service Fee from section B to section C with all other title fees. Condition Downgraded.; XX/XX/XXXX  - udit reviewed Lenders response, however; Disclosure tracking on PG XXX and Initial LE on PG XXX and disclosures are dated XX/XX/XXXX. Condition remains.; XX/XX/XXXX  - This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; XX/XX/XXXX  - There was an increase in the mortgage recording fees from $XXX to $XXX and the addition of the Title Loan Service Fee for $XXX in Section B,    Resulting in tolerance violation of $XXXXX.       Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30002 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Charges That Cannot Increase Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - Per the HOEPA disclosure located on page XX, the initial application date was XX/XX/XXXX.  Audit acknowledges that the Lender is not open for business on Saturdays, therefore the third business day would have been XX/XX/XXXX, disclosures are dated after on XX/XX/XXXX.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided LOE, proof of delivery and copy of refund check for $XXXX for recording fees over the limit. Lender moved Title-Loan Service Fee from section B to section C with all other title fees. Condition Downgraded.; XX/XX/XXXX  - This loan passed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXXXXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30002 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Charges That In Total Cannot Increase More Than XXX% Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).; XX/XX/XXXX  - Per the HOEPA disclosure located on page XX, the initial application date was XX/XX/XXXX.  Audit acknowledges that the Lender is not open for business on Saturdays, therefore the third business day would have been XX/XX/XXXX, disclosures are dated after on XX/XX/XXXX.  ;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXXXX) do not exceed the comparable charges ($XXXXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).; XX/XX/XXXX  - This loan failed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXXXX) exceed the comparable charges ($XXXXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).; XX/XX/XXXX  - Lender provided LOE, proof of delivery and copy of refund check for $XXXX for recording fees over the limit. Lender moved Title-Loan Service Fee from section B to section C with all other title fees. Condition Downgraded.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Title-Loan Service of $XXXXX was added to section B and should be included in the refund. (Initial LE Recording fees $XXXXXxXXXX%=XXXXX-Final CD fees Recording Fee and Title-Loan service fee $XXXXX = $XXXXX refund to borrower. Condition remains.; XX/XX/XXXX  - This loan failed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXXXX) exceed the comparable charges ($XXXXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).; XX/XX/XXXX  - There was an increase in the mortgage recording fees from $XXX to $XXX and the addition of the Title Loan Service Fee for $XXX in Section B.     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30002 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Reimbursement Amount Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX,XXXXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; XX/XX/XXXX  - Per the HOEPA disclosure located on page XX, the initial application date was XX/XX/XXXX.  Audit acknowledges that the Lender is not open for business on Saturdays, therefore the third business day would have been XX/XX/XXXX, disclosures are dated after on XX/XX/XXXX.  ;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; XX/XX/XXXX  - This loan passed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; XX/XX/XXXX  - Lender provided LOE, proof of delivery and copy of refund check for $XXXX for recording fees over the limit. Lender moved Title-Loan Service Fee from section B to section C with all other title fees. Condition Downgraded.; XX/XX/XXXX  - udit reviewed Lenders response, however; Disclosure tracking on PG XXX and Initial LE on PG XXX and disclosures are dated XX/XX/XXXX. Condition remains.; XX/XX/XXXX  - This loan failed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXXXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; XX/XX/XXXX  - There was an increase in the mortgage recording fees from $XXX to $XXX and the addition of the Title Loan Service Fee for $XXX in Section B,    Resulting in tolerance violation of $XXXXX.       Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30109 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX. FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.  ; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30109 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared. ; XX/XX/XXXX  - No forbearance requests or inquiries have been made     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30109 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30109 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Initial Loan Estimate Delivery Date Test (from application) XX/XX/XXXX XX/XX/XXXX  - This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR §XXXXXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $X, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXXXXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.; XX/XX/XXXX  - This loan passed the initial loan estimate delivery date test (from application).( XX CFR §XXXXXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.This calculation takes into account a user-submitted  designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXXXXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the initial loan estimate delivery date test (from application).( XX CFR §XXXXXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.This calculation takes into account a user-submitted  designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXXXXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.; XX/XX/XXXX  - Lender provided Initial LE. Condition cleared.; XX/XX/XXXX  - This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR §XXXXXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $X, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXXXXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30109 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Revised Loan Estimate Delivery Date and Changed Circumstances Date Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the revised loan estimate delivery date and changed circumstances date test. ( XX CFR §XXXXXX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXXXX(e)(X)(i) )The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §XXXXXX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXXXX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXXXX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXXXX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXXXX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXXXX(f)(X), lender credits, and any other interest rate dependent charges and terms.;   XX/XX/XXXX XX/XX/XXXX  - This compliance test 'Revised Loan Estimate Delivery Date and Changed Circumstances Date Test' is no longer tested; XX/XX/XXXX  - Lender provided Initial LE. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30109 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Charges That Cannot Increase Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - This loan passed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXXXXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXXXXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - Lender provided Initial LE. Condition cleared.; XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30109 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Charges That In Total Cannot Increase More Than XXX% Test XX/XX/XXXX XX/XX/XXXX  - This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXXXX) do not exceed the comparable charges ($XXXXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).; XX/XX/XXXX  - This loan failed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXXXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXXXX) do not exceed the comparable charges ($XXXXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).; XX/XX/XXXX  - Lender provided Initial LE. Condition cleared.; XX/XX/XXXX  - This loan failed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXXXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30109 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX The file does not contain a complete copy of the Closing Disclosure.  Unable to fully test for TRID tolerance. XX/XX/XXXX XX/XX/XXXX  - The file does not contain a complete copy of the Closing Disclosure.  Unable to fully test for TRID tolerance: Final CD pg XX has a cross out initialed but all amounts have not been changed at the bottom accordingly.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Initial LE. Condition cleared.; XX/XX/XXXX  - The file contains at least one complete copy of the Closing Disclosure.; XX/XX/XXXX  - Lender provided the PCCD and LOE to the borrower. File is also missing the initial LE.  Application date XX/XX/XX and the LE in the file on page XXX is dated XX/XX/XX. COC on page XXX shows loan was locked. Condition maintained.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30100 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX TILA Right of Rescission Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; XX/XX/XXXX  - The disbursement date occurred on the same day as the loan closing.; 		  XX/XX/XXXX XX/XX/XXXX  - This loan passed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is not before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; XX/XX/XXXX  - This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30100 Flow XXXXX $XXXXX CA Cleared B A B A B A B A B A Compliance XXXXX Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the initial closing disclosure delivery date and changed circumstances date test. ( XX CFR §XXXXXX(e)(X)(iv)(A) - (C), (E), (F) , and (D) as amended in XXXX , and XX CFR §XXXXXX(e)(X)(i) )The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(i) (revised loan estimate disclosure) and §XXXXXX(e)(X)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §XXXXXX(e)(X)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §XXXXXX(e)(X)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §XXXXXX(e)(X)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §XXXXXX(e)(X)(iv)(D). The revised version of the disclosures required under §XXXXXX(e)(X)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXXXXX(f)(X), lender credits, and any other interest rate dependent charges and terms.Official InterpretationsXX C.F.R. §XXXXXX(e)(X)(ii)Relationship to disclosures required under §XXXXXX(f)(X)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §XXXXXX(e)(X)(ii) prohibits a creditor from providing a revised version of the disclosures required under §XXXXXX(e)(X)(i) on or after the date on which the creditor provides the disclosures required under §XXXXXX(f)(X)(i)...If, however, there are less than four business days between the time the revised version of the disclosures is required to be provided pursuant to §XXXXXX(e)(X)(i) and consummation, creditors comply with the requirements of §XXXXXX(e)(X) if the revised disclosures are reflected in the disclosures required by §XXXXXX(f)(X)(i).;   XX/XX/XXXX XX/XX/XXXX  - This compliance test 'Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test' is no longer tested     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30100 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Consummation or Reimbursement Date Validation Test XX/XX/XXXX XX/XX/XXXX  - A reimbursement date was not provided.; XX/XX/XXXX  - This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.;   XX/XX/XXXX XX/XX/XXXX  - This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; XX/XX/XXXX  - This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30100 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Charges That Cannot Increase Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - The discount pints increased from the revised Loan Estimate to the Closing Disclosure without a valid change of circumstance.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXXXXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30100 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Reimbursement Amount Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXXXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; XX/XX/XXXX  - Due to the increase in discount points, the lender should have reimbursed the borrower the amount pf $XXXXX. There is no evidence that this was done.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; XX/XX/XXXX  - This loan failed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXXXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30100 Flow XXXXX $XXXXX CA Cleared A A A A A A A A A A Compliance XXXXX Per Diem Interest Amount Test XX/XX/XXXX XX/XX/XXXX  - This loan passed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXXXX) does not exceed the per diem interest charge or credit threshold ($XXXXX).PLEASE NOTE: An additional $X buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXXX) does not exceed the per diem interest charge or credit threshold ($XXXXX).PLEASE NOTE: An additional $X buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page.; XX/XX/XXXX  - This loan failed the per diem interest amount test. (CA Bus. Prof. Code §XXXX.X)The per diem interest amount charged on the loan ($XXXXX) exceeds the per diem interest charge or credit threshold ($XXXXX).PLEASE NOTE: An additional $X buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30100 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection; XX/XX/XXXX  - Property is located in XXX. FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;
The exeception is currently marked as Material.;
Property is located in XXX. FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Change status of 'Property is located in XXX' from Active to Acknowledged by Client.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30100 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30100 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30029 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Executed HELOC closure letter not provided. XX/XX/XXXX XX/XX/XXXX  - Missing executed documentation HELOC is closed to future draws: Missing HELOC closure letter as required.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided executed HELOC closure letter.  Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30029 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30029 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA Data Review.  HMDA Data Tape was not provided - Lender to provide.  Tape can be emailed. (Please note: additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30195 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30195 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional condition may apply);   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30021 Flow XXXXX $XXXXX MA Cleared A A A A A A A A A A Compliance XXXXX RESPA Homeownership Counseling Organizations Disclosure Date Test XX/XX/XXXX XX/XX/XXXX  - This loan passed the homeownership counseling organizations disclosure date test. ( XX CFR §XXXXXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXXXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations.;   XX/XX/XXXX XX/XX/XXXX  - This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR §XXXXXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXXXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on New Year's Day (XX/XX/XXXX)PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30021 Flow XXXXX $XXXXX MA Cleared A A A A A A A A A A Compliance XXXXX Initial Loan Estimate Delivery Date Test (from application) XX/XX/XXXX XX/XX/XXXX  - This loan passed the initial loan estimate delivery date test (from application).( XX CFR §XXXXXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.This calculation takes into account a user-submitted  designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXXXXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.;   XX/XX/XXXX XX/XX/XXXX  - This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR §XXXXXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $X, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on New Year's Day (XX/XX/XXXX)PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXXXXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30021 Flow XXXXX $XXXXX MA Cleared C A C A C A C A C A Compliance XXXXX Consummation or Reimbursement Date Validation Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.;   XX/XX/XXXX XX/XX/XXXX  - This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30021 Flow XXXXX $XXXXX MA Cleared A A A A A A A A A A Compliance XXXXX Charges That Cannot Increase Test XX/XX/XXXX XX/XX/XXXX  - This loan passed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXXXXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).;   XX/XX/XXXX XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30021 Flow XXXXX $XXXXX MA Cleared A A A A A A A A A A Compliance XXXXX Charges That In Total Cannot Increase More Than XXX% Test XX/XX/XXXX XX/XX/XXXX  - This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXXXX) do not exceed the comparable charges ($XXXXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).;   XX/XX/XXXX XX/XX/XXXX  - This loan failed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30021 Flow XXXXX $XXXXX MA Cleared A A A A A A A A A A Compliance XXXXX Reimbursement Amount Test XX/XX/XXXX XX/XX/XXXX  - This loan passed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.;   XX/XX/XXXX XX/XX/XXXX  - This loan failed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30021 Flow XXXXX $XXXXX MA Cleared C A C A C A C A C A Compliance XXXXX Written List of Service Providers Disclosure Date Test XX/XX/XXXX XX/XX/XXXX  - This loan passed the written list of service providers disclosure date test due to the following reasons: ( XX CFR §XXXXXX(e)(X)(vi) )The written list of service providers disclosure date is not less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; andThe written list of service providers disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or mortgage broker receives the consumer's written application.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXXXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXXXX(e)(X)(e)(X)(iii).;   XX/XX/XXXX XX/XX/XXXX  - This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( XX CFR §XXXXXX(e)(X)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXXXX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXXXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXXXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXXXX(e)(X)(e)(X)(iii).     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30021 Flow XXXXX $XXXXX MA Cleared C A C A C A C A C A Compliance XXXXX Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure XX/XX/XXXX XX/XX/XXXX  - Original PI Payment on Note matches Final CD
From Hard Coded form in template:
'Closing Disclosure' at XX/XX/XXXX; 		  XX/XX/XXXX XX/XX/XXXX  - Original PI Payment on Note matches Final CD     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30021 Flow XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA Data Review.  HMDA Data Tape was not provided - Lender to provide.  Tape can be emailed. (Please note: additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - HMDA tape provided. No level X discrepancies noted. Condition cleared.; XX/XX/XXXX  - HMDA data tape provided.; XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply);     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30021 Flow XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.  ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30269 Flow XXXXX $XXXXX TX Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - FEMA declared XXXX County in a disaster area (Severe Ice Storm) on XX/XX/XXXX, with a release date of XX/XX/XXXX.  The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  - The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30269 Flow XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30269 Flow XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30032 Flow XXXXX $XXXXX CA Cleared D A D A D A C A C A Credit XXXXX Transmittal Summary is Missing XX/XX/XXXX XX/XX/XXXX  - The transmittal summary is Missing; XX/XX/XXXX  - Transmittal Summary documents are missing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided XXXX. Condition cleared.; XX/XX/XXXX  - The transmittal summary is Present     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30032 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30032 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply);   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30292 Flow XXXXX $XXXXX VA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief asisstance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30292 Flow XXXXX $XXXXX VA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Received email confirmation from XXX, confirming audit values are correct, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.; XX/XX/XXXX  - XX/XX/XXXX:  A HMDA Data Discrepancy has been identified for Loan Purpose.  Audit Loan Purpose: Cashout Refinance vs Data Tape Home Improvement (per the XXXX).  For HMDA purposes, the only time we classify as a home improvement is if the home was owned free and clear and the borrower took cash out to do home improvements.   Lender may clear by acknowledging audit values are correct.;     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30020 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30020 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30020 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX HMDA Discrepancy(s) Noted XX/XX/XXXX XX/XX/XXXX  - Added XX/XX/XXXX) HMDA Review Completed.   A HMDA Data Discrepancy has been identified for Total Loan Costs.  Audit Total Loan Costs $XXXX Data Tape Total Loan Costs $X,XXX. Lender may clear condition by acknowledging audit value is correct.;   XX/XX/XXXX XX/XX/XXXX  - Lender agreed with HMDA. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30026 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection; XX/XX/XXXX  - Post disaster inspection confirms no property damage;   XX/XX/XXXX XX/XX/XXXX  - Appraisal dated after FEMA release date - no damage - condition cleared ; XX/XX/XXXX  - Post disaster inspection confirms no property damage; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.  FEMA delcared XXXX county in a disaster area on XX/XX/XXXX with a release date of XX/XX/XXXX.  The appraisal in file is dated XX/XX/XXXX and shows no damage.  The appraisal is dated after FEMA release date - condition for information purposes only.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30026 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared. ; XX/XX/XXXX  - We can confirm there have been no forbearance inquires or forbearance requests. Please clear this condition.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30026 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Trust Documentation Missing or Incomplete XX/XX/XXXX XX/XX/XXXX  - Trust document is not properly executed or missing.  Unable to determine if signatures on note are accurate.  Please provide an executed and notarized copy of the Certification of Trust.  Document in file is not complete.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided executed Certification of Trust.  Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30026 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA data tape provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply)     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30026 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX HMDA Discrepancy(s) Noted XX/XX/XXXX XX/XX/XXXX  - The following HMDA Discrepancy(s) have been noted: The ULI number is missing. Lender to provide. ;   XX/XX/XXXX XX/XX/XXXX  - ULI provided, condition cleared.; XX/XX/XXXX  - The exception 'HMDA Discrepancy(s) Noted' is cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30054 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30054 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Liquid Reserves are less than Guidelines Required XX/XX/XXXX XX/XX/XXXX  - Missing proof of retirement account listed on Final XXXX to confirm minimum of $XXXfor required reserves.; XX/XX/XXXX  - The liquid reserves of XXXXX months or $XXX, are less than the Guidelines minimum required of XXX or $XXXXXXX.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided asset documentation.  Condition cleared.; XX/XX/XXXX  - The liquid reserves of XXXXXXX months or $XXXXXXXX, is greater than or equal to the Guidelines minimum required of XXX or $XXXXXXX.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30054 Flow XXXXX $XXXXX CA Cleared D A D A D A C A C A Credit XXXXX Borrower Liabilities Verification Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Borrower liabilities verified indicator is Partial: XXXX Schedule E on tax returns reflect rental loss for SUBJECT property. XXXX returns do not show a Schedule E. No explanation was provided. May be subject to further conditioning depending on explanation.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided LOE. Condition cleared. ; XX/XX/XXXX  - Borrower liabilities verified indicator is Present; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide LOE why XXXX Schedule E on tax returns reflect rental loss for SUBJECT property. XXXX returns do not show a Schedule E. No explanation was provided. May be subject to further conditioning depending on explanation. Condition remains.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30054 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - No forbearance requests or inquiries have been made; XX/XX/XXXX  - Lender provided borrower's attestation of expected ability to repay; however, did not provide servicing comments or attestation borrower has not inquired about or requested COVID-19 relief assistance after closing.  Condition retained. ; XX/XX/XXXX  - Audit reviewed Lenders response, however; please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. Condition remains.; XX/XX/XXXX  - Servicing comments are missing.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30075 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX. FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30075 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditons may apply.);   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30075 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/serviicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30075 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX TILA Right of Rescission Test XX/XX/XXXX XX/XX/XXXX  - The RTC disclosure was dated/printed a day earlier than the document was executed. The date signed was XX/XX/XXXX, which was a Saturday, so the disbursement date should have been after XX/XX/XXXX.; XX/XX/XXXX  - This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; 		  XX/XX/XXXX XX/XX/XXXX  - This loan passed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is not before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; XX/XX/XXXX  - Lender provided PCCD and LOE. Rescission is within tolerance.  Condition cleared.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Final CD disbursement date is XX/XX/XXXX and RTC cancelation date is XX/XX/XXXX. Please provide Funding CD with disbursement date dated After XX/XX/XXXX. Condition remains.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30111 Flow XXXXX $XXXXX MD Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - X/XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30111 Flow XXXXX $XXXXX MD Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditons may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - No forbearance requests or inquiries have been made     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30117 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Credit XXXXX Borrower Income Verification does not match Approval XX/XX/XXXX XX/XX/XXXX  - The borrower income verification does not match approval: Missing KX's for S corp to show percentage of ownership and positive or negative income(This income was not used in calculations but need to confirm information.);   XX/XX/XXXX XX/XX/XXXX  - Previouslky cleared in Verify. Condition cleared.; XX/XX/XXXX  - The borrower income verification does match approval     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30117 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared. ; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30117 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30119 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Property XXXXX Title Issues Present XX/XX/XXXX XX/XX/XXXX  - Investor Guidelines require title report to reflect a loan amount that is equal to or greater than the subject loan amount. (Title report reflect $XXX,XXX, Note reflect $XXX,XXX) ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided title with $XXX,XXX coverage.  Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30119 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared. ; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30119 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30119 Flow XXXXX $XXXXX WA Acknowledged C B C B C B C B C B Credit XXXXX CoBorrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Investor Guidelines require a VVOE to be performed within XX business days prior to the date. The VVOE's in file for co-borrower is dated after the Note date. (Note date X/XX/XX, VVOE dated X/XX/XX);   XX/XX/XXXX XX/XX/XXXX  - Loan file documentation contains evidence that Lender verified employment prior to consummation. VVOE in file dated post consummation confirms that the borrower is still employed. Loan meets QM, this is deemed non-material, final grade will be a B for post consummation VVOE.; XX/XX/XXXX  - Change status of 'CoBorrower Employment Verification does not meet guidelines' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'CoBorrower Employment Verification does not meet guidelines' from Material to Non-Material. Waiver Client Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30098 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30098 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.“HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply)” ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30253 Flow XXXXX $XXXXX MN Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30253 Flow XXXXX $XXXXX MN Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have now inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30200 Flow XXXXX $XXXXX UT Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX. FEMA declared XXX , with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ;   XX/XX/XXXX XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30200 Flow XXXXX $XXXXX UT Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided.Loan is pending HMDA data review.Condition for informational purposes only.Due Diligence firm to complete.(Additional conditions may apply);   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30200 Flow XXXXX $XXXXX UT Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from seller/servicer to confirm borrowers have not inquired about or requested COVID-19 relief assistance after closing.(Additional conditions may apply); XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30206 Flow XXXXX $XXXXX CA Cured Post Close C A C A C A C A C A Credit XXXXX Borrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Missing VOE dated XX days prior to closing. ;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'Borrower Employment Verification does not meet guidelines' from Cleared to Cured Post Close.; XX/XX/XXXX  - Non-material finding. VVOE in file dated XX/XX/XXXX and dated XX/XX/XXXX, same day as the funding date. Loan will be graded a B.; XX/XX/XXXX  - Non-material finding. VVOE in file dated XX/XX/XXXX and dated XX/XX/XXXX, same day as the funding date.  Loan will be graded a B.; XX/XX/XXXX  - Change status of 'Borrower Employment Verification does not meet guidelines' from Active to Acknowledged by Client.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30206 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Missing VOE dated XX days prior to closing for Borrower.;   XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Missing VOE dated XX days prior to closing for Borrower.;     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30206 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Missing VOE dated XX days prior to closing for Borrower.;   XX/XX/XXXX XX/XX/XXXX  - Non-material finding. VVOE in file dated XX/XX/XXXX and dated XX/XX/XXXX, same day as the funding date.  Loan will be graded a B.; XX/XX/XXXX  - Change status of 'ATR/QM Status is Pending' from Active to Acknowledged by Client.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30206 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30206 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Income Verification does not match Approval XX/XX/XXXX XX/XX/XXXX  - The borrower income verification does not match approval. IRS Transcripts are required per guidelines, but are missing from the file.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided  Transcripts. Condition cleared.; XX/XX/XXXX  - The borrower income verification does match approval     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30206 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Transcripts are missing XX/XX/XXXX XX/XX/XXXX  - The borrower transcripts is Missing;   XX/XX/XXXX XX/XX/XXXX  - Lender provided co-borrowers Transcripts. Condition cleared.; XX/XX/XXXX  - The borrower XXXXT is Present; XX/XX/XXXX  - Lender provided the transcripts for the Co Borrower. Please provide the transcripts for the borrower. (XXXX).  Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30206 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - Please provide an attestation that the borrower has not inquired for any COVID relief. Condition maintained.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30206 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Regulation § XXXXXX(c)(X)(i) failure - The borrower(s) reasonably expected income or assets was not properly considered. XX/XX/XXXX XX/XX/XXXX  - The borrower(s) reasonably expected income or assets was not properly considered. Per Guideline requirements, the IRS Transcripts for the Borrower are needed.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided co-borrowers Transcripts. Condition cleared.; XX/XX/XXXX  - Lender provided the transcripts for the Co Borrower. Please provide the transcripts for the borrower. (XXXX).  Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30206 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX CoBorrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide VOB dated within XX day of Note date. Condition remains.; XX/XX/XXXX  - added XX/XX/XXXX: Verification of business for Restown, within XX days of the Note date for co-borrower was not provided.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided VOB. Condition cleared.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide VOB dated within XX day of Note date. Condition remains.; XX/XX/XXXX  - Audit reviewed Lenders response, however; please provide VOB for Co-borrowers business (Restown). Condition remains.; XX/XX/XXXX  - added XX/XX/XXXX: Verification of business for Restown, within XX days of the Note date for co-borrower was not provided.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30354 Flow XXXXX $XXXXX TX Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30354 Flow XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.  ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30354 Flow XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30327 Flow XXXXX $XXXXX MA Cleared A A A A A A A A A A Property XXXXX Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. XX/XX/XXXX XX/XX/XXXX  - Third Party Valuation Product Not Provided and FHLMC Collateral Rep &amp; Warrant Relief is Not Eligible.Missing updated CDA within XXX days of closing. CDA in file is outdated.;   XX/XX/XXXX XX/XX/XXXX  - Third Party Valuation Product Provided.; XX/XX/XXXX  - invalid finding, condition rescinded; XX/XX/XXXX  - Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep &amp; Warrant Relief is Not Eligible or Unavailable.' from Cleared to Rescind.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30327 Flow XXXXX $XXXXX MA Cleared A A A A A A A A A A Property XXXXX Third Party Valuation Product not Provided XX/XX/XXXX XX/XX/XXXX  - Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.Missing updated CDA within XXX days of closing. CDA in file is outdated.;   XX/XX/XXXX XX/XX/XXXX  - Third Party Valuation Product Provided; XX/XX/XXXX  - invalid finding, condition rescinded; XX/XX/XXXX  - Change status of 'Third Party Valuation Product not Provided' from Cleared to Rescind.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30327 Flow XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Invetor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30327 Flow XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30327 Flow XXXXX $XXXXX MA Cleared C A C A C A C A C A Credit XXXXX Appraisal date is greater than XXX days from Origination date. XX/XX/XXXX XX/XX/XXXX  - Change status of 'Appraisal date is greater than XXX days from Origination date.' from Active to Acknowledged by Client.; XX/XX/XXXX  - A recertification was provided in the loan file on page XXXX dated XX/XX/XXXX supporting the original appraised value.; XX/XX/XXXX  - Appraisal dated XX/XX/XXXX is greater than XXX days from Note date of XX/XX/XXXX.;   XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Appraisal date is greater than XXX days from Origination date.' from Material to Non-Material.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30072 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Appraisal date is greater than XXX days from Origination date. XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Appraisal date is greater than XXX days from Origination date.' from Material to Non-Material.; XX/XX/XXXX  - A recert of value performed X/XX/XX is on page XXXX; XX/XX/XXXX  - Appraisal dated XXX/XX/XXXX is greater than XXX days from Note date of XX/XX/XXXX.;   XX/XX/XXXX XX/XX/XXXX  - A recert of value performed X/XX/XX is on page XXXX supporting original value.; XX/XX/XXXX  - Change status of 'Appraisal date is greater than XXX days from Origination date.' from Active to Acknowledged by Client.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30072 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30072 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Missing employees name and title that obtained VOE.;   XX/XX/XXXX XX/XX/XXXX  - Audit reviewed lender's response and has determined the TWN completed for the borrower on XX/XX/XXXX was sufficient to meet guideline requirements.  Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30072 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared. ; XX/XX/XXXX  - “No forbearance requests or inquiries have been made     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30072 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX TILA Right of Rescission Test XX/XX/XXXX XX/XX/XXXX  - The loan funded on the third business day following consummation. The loan should have funded on the next business day.; XX/XX/XXXX  - This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; 		  XX/XX/XXXX XX/XX/XXXX  - This loan passed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is not before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; XX/XX/XXXX  - Lender provided Funding CD. Condition cleared.; XX/XX/XXXX  - Lender provided CD dated XX/XX/XXXX, which was also in the loan file and reflects a disbursement date of XX/XX/XXXX which is the same day as the right of rescission cancellation date of XX/XX/XXXX not giving the borrower a full X days right of rescission.  Condition retained.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30072 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Property XXXXX Third Party Valuation Product Not Provided and CU Score is Greater Than X.X XX/XX/XXXX XX/XX/XXXX  - A third party valuation product was not found in the file.; XX/XX/XXXX  - Third Party Valuation Product Not Provided and CU Score is XXX.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided a Third Party Valuation Product to Support Origination Appraised Value within XXX%. Condition cleared. ; XX/XX/XXXX  - Third Party Valuation Product Not Provided and CU Score is XXX.; XX/XX/XXXX  - Third Party Valuation Product Provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30072 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Property XXXXX Third Party Valuation Product not Provided XX/XX/XXXX XX/XX/XXXX  - Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; XX/XX/XXXX  - A third party valuation product was not found in the file.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided a Third Party Valuation Product to Support Origination Appraised Value within XXX%. Condition cleared. ; XX/XX/XXXX  - Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; XX/XX/XXXX  - Third Party Valuation Product Provided     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30076 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30076 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purpose only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30152 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Conditin for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30152 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the sellerservicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after cllosing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30152 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - The borrower did not supply the required balance sheet for the Schedule C business.; XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Balance sheet. Condition cleared.; XX/XX/XXXX  - Lender provided P&amp;L; however, did not provide Balance Sheet.  Condition retained.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30152 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Regulation § XXXXXX(c)(X)(i) failure - The borrower(s) reasonably expected income or assets was not properly considered. XX/XX/XXXX XX/XX/XXXX  - The borrower(s) reasonably expected income or assets was not properly considered. The borrower did not supply a balance sheet for Schedule C business;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Balance sheet. Condition cleared.; XX/XX/XXXX  - Lender provided P&amp;L; however, did not provided Balance Sheet.  Condition retained.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30152 Flow XXXXX $XXXXX CA Cleared A A A A A A A A A A Credit XXXXX Balance Sheet Does Not Meet Guidelines XX/XX/XXXX XX/XX/XXXX  - Missing balance sheet for Schedule C business: XXX. P&amp;L in file covers entire period.; XX/XX/XXXX  - A balance sheet for the co-borrower was not found in the file;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Balance sheet. Condition cleared.; XX/XX/XXXX  - Lender provided P&amp;L; however, did not provide Balance Sheet.  Condition retained.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30152 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX. FEMA declared XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;   XX/XX/XXXX XX/XX/XXXX  - Post disaster inspection confirms no property damage; XX/XX/XXXX  - The appraisal in file is dated XX/XX/XXXX and shows no damage. ; XX/XX/XXXX  - Change status of 'Property is located in XXX' from Active to Acknowledged by Client.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30022 Flow XXXXX $XXXXX CA Acknowledged C B C B C B C B C B Compliance XXXXX Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance XX/XX/XXXX XX/XX/XXXX  - Incorrect rescission model used - RTC form modelH-X used for Same Lender or Lender Affiliate Refinance ;   XX/XX/XXXX XX/XX/XXXX  - Deemed non-material, loan will be rated a B.; XX/XX/XXXX  - Change status of 'Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance ' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance ' from Material to Non-Material.; XX/XX/XXXX  - Correct recission model form provided. Waiver Client Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30022 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servcier to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30022 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.; XX/XX/XXXX  - Loan is pending HMDA data review.  HMDA Data Tape was note provided - Lender to provide.  Tape can be emailed. (Please note:  additional conditions may apply).		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30033 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply);   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30033 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - No forbearance requests or inquiries have been made by the borrowers on this loan.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30033 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Trust Documentation Missing or Incomplete XX/XX/XXXX XX/XX/XXXX  - Trust document is not properly executed or missing.  Unable to determine if signatures on note are accurate.: Need current cert of trust signed and notarized;   XX/XX/XXXX XX/XX/XXXX  - Lender provided executed Certification of Trust.  Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30025 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30025 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicier to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30025 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Trust Documentation Missing or Incomplete XX/XX/XXXX XX/XX/XXXX  - Missing executed and notarized COT.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided executed and notarized COT. Condition cleared.; XX/XX/XXXX  - Client provided trust document that was missing.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30039 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - FEMA declared XXX with a release date of XX/XX/XXXX.  The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only. ;   XX/XX/XXXX XX/XX/XXXX  - The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only. ; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30039 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Missing VVOE within XX days of closing as required.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided VVOE within XX days of the Note date.  Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30039 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - We can confirm there have been no forbearance inquires or forbearance requests. Please clear this condition.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30039 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30039 Flow XXXXX $XXXXX CA Cleared D A D A D A C A C A Credit XXXXX Borrower Liabilities Verification Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Borrower liabilities verified indicator is Partial: Missing proof of hazard ins.for rental at XXXX.;   XX/XX/XXXX XX/XX/XXXX  - Borrower liabilities verified indicator is Present     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30039 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided LOE verifying no HOI as property is free and clear. Condition cleared.; XX/XX/XXXX  - Audit reviewed lender's response and has determined the hazard insurance for the REO property is missing.  Condition retained.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30320 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Title Policy is Missing XX/XX/XXXX XX/XX/XXXX  - Title policy is Missing; XX/XX/XXXX  - Reviewer was unable to locate title policy. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided title report. Condition cleared.; XX/XX/XXXX  - Title policy is Present     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30320 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Borrower Employment Verification does not meet guidelines.  Missing WVOE in the file to support underwriter based income of $XXXand bonus income $XXX.  Must evidence the likelihood of continuance of the bonus income.  Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided WVOE. Condition cleared.; XX/XX/XXXX  - VOE in file     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30320 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Income Verification does not match Approval XX/XX/XXXX XX/XX/XXXX  - The borrower income verification does not match approval.Missing WVOE in the file to support underwriter based income of $XXXand bonus income $XXX. Must evidence the likelihood of continuance of the bonus income. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided WVOE. Condition cleared.; XX/XX/XXXX  - The borrower income verification does match approval     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30320 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30320 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Missing WVOE in the file to support underwriter based income of $XXXand bonus income $XXX. Must evidence the likelihood of continuance of the bonus income. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided WVOE. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30320 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Regulation § XXXXXX(c)(X)(i) failure - The borrower(s) reasonably expected income or assets was not properly considered. XX/XX/XXXX XX/XX/XXXX  - The borrower(s) reasonably expected income or assets was not properly considered.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided WVOE. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30320 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Regulation § XXXXXX(c)(X)(ii) failure - The borrower(s) current employment status was not verified. XX/XX/XXXX XX/XX/XXXX  - The borrower(s) current employment status was not verified. Missing VOE in the file to support underwriter based income of $XXXand bonus income $XXX.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided WVOE. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30320 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Trust Documentation Missing or Incomplete XX/XX/XXXX XX/XX/XXXX  - Trust document is not properly executed or missing.  Unable to determine if signatures on note are accurate.  Missing executed and notarized COT (Certification of Trust).;   XX/XX/XXXX XX/XX/XXXX  - Lender provided executed and notarized COT. Condition cleared.; XX/XX/XXXX  - Client provided trust document that was missing.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30320 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30320 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Liquid Reserves are less than Guidelines Required XX/XX/XXXX XX/XX/XXXX  - The liquid reserves of XXXXX months or $XXXXXXX, are less than the Guidelines minimum required of XXXX or $XXXXXXX.;   XX/XX/XXXX XX/XX/XXXX  - The liquid reserves of XXXXXX months or $XXXXXXX, is greater than or equal to the Guidelines minimum required of XXXX or $XXXXXXX.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide bank statement for the month dated XX/XX/XXXX (XXXXX) ;
AND provide additional month for   xXXXX (XX/XX/XXXX received) AND Terms of withdrawal;
AND provide XXX months for Principal account (To include Owners name and account information),;
AND For business statements: Please provide Business ownership percentage and information as Business is not reporting on tax returns. Please provide all documentation required to utilize business assets per Guidelines (Assets -Business Funds section). Condition remains.; XX/XX/XXXX  - Audit reviewed Lenders response, however; most recent bank statement in file is dated XX/XX/XXXX-XX/XX/XXXX (XXXX acct**XXX) verifies balance of $XX,XXXXX. Condition remains.; XX/XX/XXXX  - The liquid reserves of XXXXX months or $XXXXXXX, are less than the Guidelines minimum required of XXXX or $XXXXXXX.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30320 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Asset Documents are Incomplete XX/XX/XXXX XX/XX/XXXX  - Asset Documents are Incomplete: Only cne month bank statement from XXXX dated X-X-XXXX-X-XXXX was provided. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided assets. Condition cleared.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide bank statement for the month dated XX/XX/XXXX (XXXXX) ;
AND provide additional month for   xXXXX (XX/XX/XXXX received) AND Terms of withdrawal;
AND provide XXX months for Principal account (To include Owners name and account information),;
AND For business statements: Please provide Business ownership percentage and information as Business is not reporting on tax returns. Please provide all documentation required to utilize business assets per Guidelines (Assets -Business Funds section). Condition remains.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide bank statement for the month dated XX/XX/XXXX as most recent bank statement in file is dated XX/XX/XXXX. Condition remains.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30053 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Reimbursement Amount Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; XX/XX/XXXX  - Missing valid COC for additional rate lock extension fee of $XXXXXX.;   XX/XX/XXXX XX/XX/XXXX  - Missing Initial Lock extension documentation with lock expiration date.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30053 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Appraisal date is greater than XXX days from Origination date. XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Appraisal date is greater than XXX days from Origination date.' from Material to Non-Material.; XX/XX/XXXX  - Appraisal dated XX/XX/XXXX is greater than XXX days from Note date of XX/XX/XXXX: A reverification was provided in loan file located on pg XXX dated XX/XX/XXXX supporting the original appraised value.;   XX/XX/XXXX XX/XX/XXXX  - Appraisal dated XX/XX/XXXX is greater than XXX days from Note date of XX/XX/XXXX: A reverification was provided in loan file located on pg XXX dated XX/XX/XXXX supporting the original appraised value.;
The exeception is currently marked as Non-Material.; XX/XX/XXXX  - Change status of 'Appraisal date is greater than XXX days from Origination date.' from Active to Acknowledged by Client.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30053 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Consummation or Reimbursement Date Validation Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided verification of initial rate lock extension and expiration date for valid COC for addition of rate lock extension fee.  Condition cleared.; XX/XX/XXXX  - Missing Initial Lock extension documentation with lock expiration date.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30053 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Charges That Cannot Increase Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - Missing valid COC for additional rate lock extension fee of $XXXXXX.; XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).;   XX/XX/XXXX XX/XX/XXXX  - Lender provided verification of initial rate lock extension and expiration date for valid COC for addition of rate lock extension fee.  Condition cleared.; XX/XX/XXXX  - Missing Initial Lock extension documentation with lock expiration date.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30053 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: We confirm there have been no forbearance inquiries or requests. Our servicing comments are blank. Thank you.; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30053 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided: : “HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply)” ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed. No Level X findings noted; condition cleared. ; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30053 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q: Missing XXXX Balance sheet for Schedule C business. YTD for XXXX is in file.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided balance sheet. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30142 Flow XXXXX $XXXXX WI Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30142 Flow XXXXX $XXXXX WI Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30141 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - “HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply)” ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		        
OBX2021J30141 Flow XXXXX $XXXXX CA Cleared D A D A D A C A C A Property XXXXX UCDP Summary Report is Missing XX/XX/XXXX XX/XX/XXXX  - The SSR indicator is Missing;   XX/XX/XXXX XX/XX/XXXX  - Lender provided UCDP. Condition cleared.; XX/XX/XXXX  - The SSR indicator is Present        
OBX2021J30141 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.          
OBX2021J30141 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ;   XX/XX/XXXX XX/XX/XXXX  - Post disaster inspection confirms no property damage        
OBX2021J30141 Flow XXXXX $XXXXX CA Acknowledged C B C B C B C B C B Property XXXXX Second Appraisal is Missing XX/XX/XXXX XX/XX/XXXX  - The second appraisal is Missing; XX/XX/XXXX  - The second appraisal is Missing. Note: If Xnd appraisal is lower than appraised value, please provide CDA for the lower value of the X appraisals.;   XX/XX/XXXX XX/XX/XXXX  - Investor has granted an exception approval for the missing second appraisal. CDA in file supports value, this is deemed non-material, loan will be graded a B.; XX/XX/XXXX  - Change status of 'Second Appraisal is Missing' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Second Appraisal is Missing' from Material to Non-Material. Waiver Client Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30155 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXXFEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30155 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30155 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30251 Flow XXXXX $XXXXX TX Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  -FEMA declared XXX, with a release date of XX/XX/XXXX.  The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  - The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30251 Flow XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30251 Flow XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HDMA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30251 Flow XXXXX $XXXXX TX Cleared C A C A C A C A C A Credit XXXXX Fraud Report Shows Uncleared Alerts XX/XX/XXXX XX/XX/XXXX  - Condition added XX/XX/XXXX. Fraud report shows the following alerts that have not been cleared:  Audit re-review of loan file indicates the Fraud report shows an uncleared alert as GSA-EPLS status as Fail. No supporting documentation was provided. ;   XX/XX/XXXX XX/XX/XXXX  - Satisfactory documentation provided clearing the high risk watchlist alert, condition cleared. ; XX/XX/XXXX  - Alerts from Fraud Report have been cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30339 Flow XXXXX $XXXXX WA Cleared D A D A D A C A C A Compliance XXXXX Right to Cancel is Missing XX/XX/XXXX XX/XX/XXXX  - Missing right to cancel for this owner occupied refinance(Need HX form); XX/XX/XXXX  - The right to cancel is Missing;   XX/XX/XXXX XX/XX/XXXX  -  Incorrect rescission model used - RTC form modelH-X used for Same Lender or Lender Affiliate Refinance: This is a lender to lender transaction. Lender provided an HX when an HX is required. The exception is deemed as Non-Material.; XX/XX/XXXX  - Change status of 'Right to Cancel is Missing' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Right to Cancel is Missing' from Material to Non-Material.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30339 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30339 Flow XXXXX $XXXXX WA Cleared A A A A A A A A A A Credit XXXXX Borrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Missing VVOE within XX days of closing date of XX/XX/XXXX. VVOE in file is after closing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided VVOE date within XX days prior to the Note date.  Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30339 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30339 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Missing VOE dated XX days prior to closing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided VVOE date within XX days prior to the Note date.  Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30339 Flow XXXXX $XXXXX WA Acknowledged D B D B D B C B C B Compliance XXXXX Right to Cancel is Missing XX/XX/XXXX XX/XX/XXXX  - Missing right to cancel for this owner occupied refinance(Need HX form); XX/XX/XXXX  - The right to cancel is Missing;   XX/XX/XXXX XX/XX/XXXX  -  Incorrect rescission model used - RTC form modelH-X used for Same Lender or Lender Affiliate Refinance: This is a lender to lender transaction. Lender provided an HX when an HX is required. The exception is deemed as Non-Material.; XX/XX/XXXX  - Change status of 'Right to Cancel is Missing' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Right to Cancel is Missing' from Material to Non-Material. Waiver Client Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30224 Flow XXXXX $XXXXX WY Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30224 Flow XXXXX $XXXXX WY Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicier to confirm the borrower have not inquired about or request COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30068 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed. No Level X findings noted; condition cleared. ; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30068 Flow XXXXX $XXXXX IL Cleared D A D A D A C A C A Compliance XXXXX Right to Cancel is Missing XX/XX/XXXX XX/XX/XXXX  - The right to cancel is Missing; XX/XX/XXXX  - RTC documents are missing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided RTC. Condition cleared.; XX/XX/XXXX  - The right to cancel is Present     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30068 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30068 Flow XXXXX $XXXXX IL Cleared D A D A D A C A C A Credit XXXXX Note Document Indicator is Missing XX/XX/XXXX XX/XX/XXXX  - Note document indicator is Missing; XX/XX/XXXX  - Note document is missing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided the note document signed in the name of the trust. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30068 Flow XXXXX $XXXXX IL Cleared D A D A D A C A C A Compliance XXXXX Security Instrument Indicator is Missing XX/XX/XXXX XX/XX/XXXX  - Security Instrument document is missing.; XX/XX/XXXX  - The security instrument indicator is Missing;   XX/XX/XXXX XX/XX/XXXX  - Lender provided trust documentation. Condition cleared. ; XX/XX/XXXX  - Audit reviewed Lenders response, however; Mortgage is signed in a Trust. Missing Trust documents and Note to verify signing authority. Additional conditions may apply. Condition remains.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30068 Flow XXXXX $XXXXX IL Cleared C A C A C A C A C A Credit XXXXX CoBorrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Condition added XX/XX/XXXX:  The loan application indicated that the co-borrower is self-employed. According to the investor guidelines, documentation for a self-employed borrower requires an independent confirmation of self-employment dated no later than XX days prior to the Note date (Note Date XX/XX/XXXX), such as a copy of the business license or a letter from an accountant verifying the length and existence of the business. The loan file contained a copy of the borrower’s business license, however, is dated XX/XX/XXXX, which is greater than XX days from the Note date.  (pg XXX-XXX);   XX/XX/XXXX XX/XX/XXXX  - Lender provided VOB. Condition cleared.; XX/XX/XXXX  - Lender provided verification of self-employment for co-borrower; however, it is not dated, unable to determine if verified within XX days prior to the Note date.  Condition retained.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30289 Flow XXXXX $XXXXX CA Cured Post Close C A C A C A C A C A Compliance XXXXX TRID Initial Closing Disclosure Date and Funding Date Validation Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields.;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'TRID Initial Closing Disclosure Date and Funding Date Validation Test' from Cleared to Cured Post Close.; XX/XX/XXXX  - This compliance test 'TRID Initial Closing Disclosure Date and Funding Date Validation Test' is no longer tested; XX/XX/XXXX  - Please provide LOE, Proof of delivery, PCCD and copy of refund check. Condition Downgraded to B; XX/XX/XXXX  - Two CD were provided in the loan file.  One dated XX/XX/XXXX with a receipt date of XX/XX/XXXX and the other is dated XX/XX/XXXX with a receipt date of XX/XX/XXXX which is after consummation.  Appears there maybe a missing CD.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30289 Flow XXXXX $XXXXX CA Cured Post Close C A C A C A C A C A Compliance XXXXX Consummation or Reimbursement Date Validation Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'Consummation or Reimbursement Date Validation Test' from Cleared to Cured Post Close.; XX/XX/XXXX  - This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; XX/XX/XXXX  - Please provide LOE, Proof of delivery, PCCD and copy of refund check. Condition Downgraded to B; XX/XX/XXXX  - Two CD were provided in the loan file.  One dated XX/XX/XXXX with a receipt date of XX/XX/XXXX and the other is dated XX/XX/XXXX with a receipt date of XX/XX/XXXX which is after consummation.  Appears there maybe a missing CD.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30289 Flow XXXXX $XXXXX CA Cured Post Close C A C A C A C A C A Compliance XXXXX Charges That Cannot Increase Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX,XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'Charges That Cannot Increase Test' from Cleared to Cured Post Close.; XX/XX/XXXX  - This loan passed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXXXXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX,XXXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - Please provide LOE, Proof of delivery, PCCD and copy of refund check. Condition Downgraded to B; XX/XX/XXXX  - This loan failed the charges that cannot increase test.  (XX CFR §XXXXXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - There was an addition of an appraisal fee for $XXXX to the CD dated X/XX/XX with no valid change of circumstance.  Please provide copy of updated PC CD, copy of refund check, LOE to borrower, and proof of delivery.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30289 Flow XXXXX $XXXXX CA Cured Post Close C A C A C A C A C A Compliance XXXXX Reimbursement Amount Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the reimbursement amount test.  (XX CFR §XXXXXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXXXXX(e)(X)(i) or (ii), the creditor complies with §XXXXXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXXXXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'Reimbursement Amount Test' from Cleared to Cured Post Close.; XX/XX/XXXX  - This compliance test 'Reimbursement Amount Test' is no longer tested; XX/XX/XXXX  - Please provide LOE, Proof of delivery, PCCD and copy of refund check. Condition Downgraded to B; XX/XX/XXXX  - There was an addition of an appraisal fee for $XXXX to the CD dated X/XX/XX with no valid change of circumstance.  Please provide copy of updated PC CD, copy of refund check, LOE to borrower, and proof of delivery.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30289 Flow XXXXX $XXXXX CA Cleared A A A A A A A A A A Compliance XXXXX The file does not contain a complete copy of the Loan Estimate.  Unable to fully test for TRID tolerance.    XX/XX/XXXX XX/XX/XXXX  - Missing Initial LE for XX/XX/XXXX. Unable to to properly run complaince testing, additional conditions may apply.; XX/XX/XXXX  - The file does not contain a complete copy of the Loan Estimate.  Unable to fully test for TRID tolerance.;   XX/XX/XXXX XX/XX/XXXX  - The file does contain at least one copy of a Loan Estimate. The file contains a complete copy of at least one Loan Estimate.; XX/XX/XXXX  - invalid finding condition rescinded; XX/XX/XXXX  - Change status of 'The file does not contain a complete copy of the Loan Estimate.  Unable to fully test for TRID tolerance.   ' from Cleared to Rescind.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30289 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30289 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30289 Flow XXXXX $XXXXX CA Cleared B A B A B A B A B A Compliance XXXXX RESPA Homeownership Counseling Organizations Disclosure Date Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR §XXXXXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXXXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations.; XX/XX/XXXX  - Missing Initial LE. Unable to to properly run complaince testing, additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR §XXXXXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXXXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations.; XX/XX/XXXX  - Change status of 'RESPA Homeownership Counseling Organizations Disclosure Date Test' from Cleared to Rescind.; XX/XX/XXXX  - This loan passed the homeownership counseling organizations disclosure date test. ( XX CFR §XXXXXX(a) )The loan has a homeownership counseling organizations disclosure date that is within three business days of the loan originator's application date, and the homeownership counseling organizations disclosure date is on or before the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXXXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations.; XX/XX/XXXX  - invalid finding condition rescinded     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30289 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Initial Loan Estimate Delivery Date Test (from application) XX/XX/XXXX XX/XX/XXXX  - This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR §XXXXXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $X, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXXXXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.; XX/XX/XXXX  - Missing Initial LE. Unable to to properly run complaince testing, additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( XX CFR §XXXXXX(e)(X)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $X, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXXXXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.; XX/XX/XXXX  - Change status of 'Initial Loan Estimate Delivery Date Test (from application)' from Cleared to Rescind.; XX/XX/XXXX  - This loan passed the initial loan estimate delivery date test (from application).( XX CFR §XXXXXX(e)(X)(iii)(A) )The initial loan estimate delivery date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.This calculation takes into account a user-submitted  designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(e)(X)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §XXXXXX(e)(X)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application.; XX/XX/XXXX  - invalid finding condition rescinded     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30289 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Charges That In Total Cannot Increase More Than XXX% Test XX/XX/XXXX XX/XX/XXXX  - Missing Initial LE. Unable to to properly run complaince testing, additional conditions may apply.; XX/XX/XXXX  - This loan failed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXXXX) do not exceed the comparable charges ($XXXXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).; XX/XX/XXXX  - This loan failed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).; XX/XX/XXXX  - Change status of 'Charges That In Total Cannot Increase More Than XXX% Test' from Cleared to Rescind.; XX/XX/XXXX  - This loan passed the charges that in total cannot increase more than XXX% test.  (XX CFR §XXXXXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXXXXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXXXX) do not exceed the comparable charges ($XXXXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXXXXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXXXXX(e)(X)(vi).; XX/XX/XXXX  - invalid finding condition rescinded     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30289 Flow XXXXX $XXXXX CA Cleared A A A A A A A A A A Compliance XXXXX Lender Credits That Cannot Decrease Test XX/XX/XXXX XX/XX/XXXX  - This loan passed the lender credits that cannot decrease test. ( XX CFR §XXXXXX(e)(X)(i) )The loan contains lender credits that do not exceed the good faith determination according to §XXXXXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the lender credits that cannot decrease test. ( XX CFR §XXXXXX(e)(X)(i) )The loan contains lender credits that do not exceed the good faith determination according to §XXXXXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).; XX/XX/XXXX  - This loan failed the lender credits that cannot decrease test. ( XX CFR §XXXXXX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXXXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXXXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXXXX(e)(X)(i).     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30289 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Written List of Service Providers Disclosure Date Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( XX CFR §XXXXXX(e)(X)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXXXX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXXXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXXXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXXXX(e)(X)(e)(X)(iii).; XX/XX/XXXX  - Missing Initial LE. Unable to to properly run complaince testing, additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( XX CFR §XXXXXX(e)(X)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXXXX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXXXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXXXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXXXX(e)(X)(e)(X)(iii).; XX/XX/XXXX  - Change status of 'Written List of Service Providers Disclosure Date Test' from Cleared to Rescind.; XX/XX/XXXX  - This loan passed the written list of service providers disclosure date test due to the following reasons: ( XX CFR §XXXXXX(e)(X)(vi) )The written list of service providers disclosure date is not less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; andThe written list of service providers disclosure date is not later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or mortgage broker receives the consumer's written application.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(a)(X) and as it relates to §XXXXXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXXXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXXXX(e)(X)(e)(X)(iii).; XX/XX/XXXX  - invalid finding condition rescinded     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30289 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the revised closing disclosure delivery date test (no waiting period required). ( XX CFR §XXXXXX(f)(X)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as "In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §XXXXXX(f)(X)(ii), if the disclosures provided under §XXXXXX(f)(X)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction.;   XX/XX/XXXX XX/XX/XXXX  - Please provide LOE, Proof of delivery, PCCD and copy of refund check. Condition Downgraded to B; XX/XX/XXXX  - This loan passed the revised closing disclosure delivery date test (no waiting period required).( XX CFR §XXXXXX(f)(X)(i) )The revised closing disclosure delivery does not require a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is at or before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is at or before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §XXXXXX(f)(X)(ii), if the disclosures provided under §XXXXXX(f)(X)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction.; XX/XX/XXXX  - Two CD were provided in the loan file.  One dated XX/XX/XXXX with a receipt date of XX/XX/XXXX and the other is dated XX/XX/XXXX with a receipt date of XX/XX/XXXX which is after consummation.  Appears there maybe a missing CD.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30099 Flow XXXXX $XXXXX CA Acknowledged C B C B C B C B C B Compliance XXXXX Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance XX/XX/XXXX XX/XX/XXXX  - Incorrect rescission model used - RTC form modelH-X used for Same Lender or Lender Affiliate Refinance: Missing HX form as this is a lender to lender transaction. Form in file pg XXX is an HX form.;   XX/XX/XXXX XX/XX/XXXX  - Non-Material. ; XX/XX/XXXX  - Change status of 'Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance ' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance ' from Material to Non-Material. Waiver Client Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30099 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additiona conditions may apply). ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30099 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additonal conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30099 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Housing history does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Housing history does not meet guidelines :Missing proof HELOC which is being retained  was paid for X/X and X/X.on time  Loan closed X/X.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided housing history. Condition cleared.; XX/XX/XXXX  - Housing delinquency meets guidelines.; XX/XX/XXXX  - Audit reviewed Lenders response, however; please provide statement verifying payment date XXX.XX and XXX.XX for HELOC. Condition remains.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30188 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply); XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30188 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: Per Servicing, confirmed that borrowers have not inquired about or requested COVID-19 Relief Assistance     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30188 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Trust Documentation Missing or Incomplete XX/XX/XXXX XX/XX/XXXX  - Missing executed and notarized COT (certification of trust).;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Certification of Trust.  Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30188 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Asset Documents are Incomplete XX/XX/XXXX XX/XX/XXXX  - Asset Documents are Incomplete: Missing documented proof of assets for delayed financing guidelines. Guidelines are extremely specific about proof of assets.Lender did provide the HUD for the purchase of this property. pg XXX shows X deposits. Part of the monies are coming from a trust detailed on pg XXX but not all of the funds are coming from the trust. File doesn't properly document what is required. Refer to XXX delayed financing guidelines Note: This documentation is seperate from assets for this loan and documentation is required so that assets for this transaction can be confirmed too.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided asset documentation to verify funds for delayed financing.  Condition cleared.;     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30209 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply); XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job.  
OBX2021J30209 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Credit XXXXX Executed HELOC closure letter not provided. XX/XX/XXXX XX/XX/XXXX  - Missing executed documentation HELOC is closed to future draws: Missing signed valid HEOC closure letter. Letter restricting the line pg XXX and not signed either is not acceptable for a closure letter.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided HELOC closure letter. Condition cleared.; XX/XX/XXXX  - HELOC closure documentation provided     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job.  
OBX2021J30209 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm  the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job.  
OBX2021J30245 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30245 Flow XXXXX $XXXXX CA Cleared D A D A D A C A C A Credit XXXXX Borrower Transcript is Partial XX/XX/XXXX XX/XX/XXXX  - The borrower Transcript is Partial: Missing XXXX personal return transcripts.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided XXXX personal tax transcript.  Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30245 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30444 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30444 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30444 Flow XXXXX $XXXXX CA Cleared D A D A D A C A C A Compliance XXXXX Security Instrument Indicator is Missing XX/XX/XXXX XX/XX/XXXX  - Reviewer was unable to locate the security instrument within the loan file. ; XX/XX/XXXX  - The security instrument indicator is Missing;   XX/XX/XXXX XX/XX/XXXX  - Lender provided executed mortgage.  Condition cleared.; XX/XX/XXXX  - The security instrument indicator is Present     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30444 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: Per Servicing, confirmed that borrowers have not inquired about or requested COVID-19 Relief Assistance     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30184 Flow XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30184 Flow XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30184 Flow XXXXX $XXXXX AZ Cleared C A C A C A C A C A Credit XXXXX Executed HELOC closure letter not provided. XX/XX/XXXX XX/XX/XXXX  - HELOC closure letter is missing.; XX/XX/XXXX  - Missing executed documentation HELOC is closed to future draws;   XX/XX/XXXX XX/XX/XXXX  - Lender provided executed HELOC closure letter.  Condition cleared.; XX/XX/XXXX  - HELOC closure documentation provided     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30184 Flow XXXXX $XXXXX AZ Cleared C A C A C A C A C A Credit XXXXX Housing history does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Housing history does not meet guidelines. Evidence of April XXXX and May XXXX mortgage payment was not provided. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Mortgage history. Condition cleared.; XX/XX/XXXX  - Housing delinquency meets guidelines.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30005 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection; XX/XX/XXXX  - The subject propertyis located in XXX. The file does contain a Post Disaster Inspection Report located on page XXXX dated XX/XX/XXXX reflecting no damage. ;   XX/XX/XXXX XX/XX/XXXX  - The subject propertyis located in XXX. The file does contain a Post Disaster Inspection Report located on page XXXX dated XX/XX/XXXX reflecting no damage. ; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30005 Flow XXXXX $XXXXX CA Cleared B A B A B A B A B A Credit XXXXX Appraisal date is greater than XXX days from Origination date. XX/XX/XXXX XX/XX/XXXX  - A recertification was provided in loan file on pg XXXX, dated XX/XX/XXXX supporting the original appraised value.; XX/XX/XXXX  - Change severity of 'Appraisal date is greater than XXX days from Origination date.' from Material to Non-Material.;   XX/XX/XXXX XX/XX/XXXX  - A recertification was provided in loan file on pg XXXX, dated XX/XX/XXXX supporting the original appraised value.; XX/XX/XXXX  - Change status of 'Appraisal date is greater than XXX days from Origination date.' from Active to Acknowledged by Client.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30005 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower has not inquired about or requested COVID-19 relief assistance after closig. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30005 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30371 Flow XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30371 Flow XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA Data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30319 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property located in XXX   XX/XX/XXXX XX/XX/XXXX  - Property located in XXX     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30319 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - No forbearance requests or inquiries have been made; XX/XX/XXXX  - Change status of 'Servicing Comments are Missing' from Active to Open Rebuttal.; XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30319 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditional may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30408 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection:
Property is located in XXXFEMA declared XXX with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.

; 		  XX/XX/XXXX XX/XX/XXXX  - Property is located in XXXFEMA declared XXX with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;
; XX/XX/XXXX  - Post disaster inspection confirms no property damage		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30408 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Initial Closing Disclosure Delivery Date Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the initial closing disclosure delivery date test due to one of the following findings:( XX CFR §XXXXXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXXXX(f)(X)(i) no later than three business days before consummation.; XX/XX/XXXX  - Missing initial CD.  Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - This loan passed the initial closing disclosure delivery date test.( XX CFR §XXXXXX(f)(X)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXXXXX(f)(X)(i) no later than three business days before consummation.; XX/XX/XXXX  - Lender provided Initial CD. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30408 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX The file does not contain a complete copy of the Closing Disclosure.  Unable to fully test for TRID tolerance. XX/XX/XXXX XX/XX/XXXX  - The file does not contain a complete copy of the Closing Disclosure.  Unable to fully test for TRID tolerance.Missing initial CD.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Initial CD. Condition cleared.; XX/XX/XXXX  - The file contains at least one complete copy of the Closing Disclosure. The file contains at least one copy of a Closing Disclosure.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30408 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor reques, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30408 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30259 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30259 Flow XXXXX $XXXXX IL Cleared C A C A C A C A C A Credit XXXXX Executed HELOC closure letter not provided. XX/XX/XXXX XX/XX/XXXX  - Missing executed documentation HELOC is closed to future draws;   XX/XX/XXXX XX/XX/XXXX  - Lender provided HELOC closure letter. Condition cleared.; XX/XX/XXXX  - HELOC closure documentation provided     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30259 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - No forbearance requests or inquiries have been made; XX/XX/XXXX  - Change status of 'Servicing Comments are Missing' from Active to Open Rebuttal.; XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30401 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30401 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Credit XXXXX Housing history does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Housing history does not meet guidelines. Missing rent history for XXXX months as required by guidelines.  Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Housing history information. Condition cleared.; XX/XX/XXXX  - Housing delinquency meets guidelines.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Credit report show previous mortgage closed on XX/XXXX and settlement statement in file dated XX/XX/XXXX with no Mortgage pay off. Please provide XX/XXXX mortgage history. Condition remains.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30401 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Laon is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30364 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Appraisal date is greater than XXX days from Origination date. XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Appraisal date is greater than XXX days from Origination date.' from Material to Non-Material.; XX/XX/XXXX  - A recertification was provided in teh laon file on page XXX dated XX/XX/XXXX supporting the original appraised value.; XX/XX/XXXX  - Change status of 'Appraisal date is greater than XXX days from Origination date.' from Active to Acknowledged by Client.;   XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Appraisal date is greater than XXX days from Origination date.' from Material to Non-Material.; XX/XX/XXXX  - A recertification was provided in teh laon file on page XXX dated XX/XX/XXXX supporting the original appraised value.; XX/XX/XXXX  - Change status of 'Appraisal date is greater than XXX days from Origination date.' from Active to Acknowledged by Client.;     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30364 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - FEMA declared XXX, with a release date of XX/XX/XXXX.  The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only. ;   XX/XX/XXXX XX/XX/XXXX  - The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only. ; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30364 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Income Verification Level is Missing XX/XX/XXXX XX/XX/XXXX  - The borrower income verification level is Missing. Tax Returns, Tax Transcripts, Paystubs, and W4's are missing.; XX/XX/XXXX  - Borrower income verification documents are missing. Tax Transcripts, Tax Returns, W4's and Paystubs are missing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided income documentation.  Condition cleared.; XX/XX/XXXX  - The borrower income verification level is Level X – Stated/Prior year W4 or Tax Return and YTD paystubs/SE borrower X yrs Tax Returns     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30364 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Transcripts are missing XX/XX/XXXX XX/XX/XXXX  - Borrower transcript documents are missing.; XX/XX/XXXX  - The borrower transcripts is Missing;   XX/XX/XXXX XX/XX/XXXX  - Lender provided tax transcripts.  Condition cleared.; XX/XX/XXXX  - The borrower XXXXT is Present     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30364 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Income Verification is less than XXXX months XX/XX/XXXX XX/XX/XXXX  - Borrower income verification documents are missing.; XX/XX/XXXX  - Borrower Income Verification of XXX is less than XXXX months. Borrower income verification is missing. X year tax returns and tax transcripts are missing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided income documentation.  Condition cleared.; XX/XX/XXXX  - Income Verification of XXXX is greater than XXXX months.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30364 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Guidelines require XXX years income documented, including TYTD. Will need current paystubs, tax returns, W-4's and IRS Transcripts.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided income documentation.  Condition cleared.; XX/XX/XXXX  - Lender provided tax transcripts.  Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30364 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Regulation § XXXXXX(c)(X)(i) failure - The borrower(s) reasonably expected income or assets was not properly considered. XX/XX/XXXX XX/XX/XXXX  - The borrower(s) reasonably expected income or assets was not properly considered. Guidelines require XXX years income documented, including TYTD. Will need current paystubs, tax returns, W-4's and IRS Transcripts.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided income documentation.  Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30364 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30364 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor reqeust, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - No forbearance requests or inquiries have been made; XX/XX/XXXX  - Change status of 'Servicing Comments are Missing' from Active to Open Rebuttal.; XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30305 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational  purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30305 Flow XXXXX $XXXXX IL Cleared C A C A C A C A C A Compliance XXXXX Consummation or Reimbursement Date Validation Test XX/XX/XXXX XX/XX/XXXX  - This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; XX/XX/XXXX  - This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'Consummation or Reimbursement Date Validation Test' from Cleared to Rescind.; XX/XX/XXXX  - This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; XX/XX/XXXX  - This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; XX/XX/XXXX  - data entry error     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30305 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30305 Flow XXXXX $XXXXX IL Cleared C A C A C A C A C A Compliance XXXXX TILA Right of Rescission Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; 		  XX/XX/XXXX XX/XX/XXXX  - Lender provided RTC and re-opened rescission.  Condition cleared.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Disbursement date is same date for RTC cancelation date. Disbursement date should be X day after cancel by date.  Condition remains.; XX/XX/XXXX  - The loan rescission period includes the new government holiday for Juneteenth on XX/XX/XXXX.  Please submit attestation stating that this new holiday did not affect this loan rescission.  Additional conditions may apply.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30305 Flow XXXXX $XXXXX IL Cleared C A C A C A C A C A Credit XXXXX Executed HELOC closure letter not provided. XX/XX/XXXX XX/XX/XXXX  - Missing executed documentation HELOC is closed to future draws: HELOC closure letter was not provided and required.Closure letter pg XXX is not signed.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided HELOC closure letter. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30386 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure XX/XX/XXXX XX/XX/XXXX  - Original PI Payment on Note matches Final CD
From Hard Coded form in template:
'Closing Disclosure' at XX/XX/XXXX; 		  XX/XX/XXXX XX/XX/XXXX  - Original PI Payment on Note matches Final CD     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30386 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX. FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30386 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Appraisal date is greater than XXX days from Origination date. XX/XX/XXXX XX/XX/XXXX  - Appraisal dated XX/XX/XXXX is greater than XXX days from Note date of XX/XX/XXXX.; XX/XX/XXXX  - A recertification was provided in the loan file on pg XXX dated XX/XX/XXXX supporting the original appraised value.;   XX/XX/XXXX XX/XX/XXXX  - NA; XX/XX/XXXX  - Updated is dated XX/XX/XXXX, not a vcalid fail.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30386 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30386 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX TILA Right of Rescission Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; 		  XX/XX/XXXX XX/XX/XXXX  - This loan passed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is not before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; XX/XX/XXXX  - Lender provided Funding CD. Condition cleared.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide Funding CD. Condition remains.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Disbursement date is same date for RTC cancelation date. Disbursement date should be X day after cancel by date. Condition remains.; XX/XX/XXXX  - TILA Right of Rescission test.  The loan failed the right of rescission test, funding date is before the third business day following consummation.  Due to the new government Juneteenth holiday.  Please submit attestation that this new holiday will not affect this loan rescission period.  Additional conditions may apply. 		    Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30386 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquireed about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please contact your servicing department and please advise if borrower has/hasnot inquired about or requested COVID-19 relief assistance after closing OR Provide all servicing comments. Additional conditions may apply. Condition remains.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Note: Lender can provide Attestation response (In response or on document) to confirm the borrowers have/have not inquired about or requested COVID-19 relief assistance after closing OR Provide all servicing comments. Additional conditions may apply. Condition remains.; XX/XX/XXXX  - Lender provided a loan summary. Please provide an attestation that the borrower has not inquired for any COVID relief. Condition maintained.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30008 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30008 Flow XXXXX $XXXXX CA Cleared D A D A D A C A C A Compliance XXXXX Security Instrument Indicator is Missing XX/XX/XXXX XX/XX/XXXX  - The security instrument is missing from the loan file. Additional conditions may apply.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Mortgage and rider. Condition cleared.; XX/XX/XXXX  - The security instrument indicator is Present     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30008 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assitiance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30008 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  -  VOE for self employed borrower X, is dated after closing.  Consummation date XX/XX/XX, VVOE is dated XX/XX/XX. Guidelines require within XX days prior to Note for self-employed. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided CPA letter dated within XX days prior to the Note date.  Condition cleared.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide CPA letter dated March XX, XXXX with NO cross outs or initials. VOB provided is dated after Note date which is not acceptable. Condition remains.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30008 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Missing VOE for self employed borrower X, dated XX days prior to closing. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided CPA letter dated within XX days prior to the Note date.  Condition cleared.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide CPA letter dated March XX, XXXX with NO cross outs or initials. VOB provided is dated after Note date which is not acceptable. Condition remains.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30169 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  - Property is located in XXX. FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX. FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ; XX/XX/XXXX  - Post disaster inspection confirms no property damage; XX/XX/XXXX  - Change status of 'Property is located in XXX' from Active to Acknowledged by Client.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30169 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditons may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30169 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Investor Guidelines require for self-employed borrower's - verification of the existence of the borrower's buisness dated XX calender days prior to the note date. The loan file does not contain a verification for X of X businesses as required. Licenses in file are all well over XX days old.. Please provide evidence the following business were open/active XX days prior to note date; XXX ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided VOB's. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30169 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditons may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30169 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. X. Investor Guidelines require for self-employed borrower's - verification of the existence of the borrower's buisness dated XX calender days prior to the note date. The loan file does not contian a verification for X of X businesses. Please provide evidence the following business were open/active XX days prior to note date; XXX;   XX/XX/XXXX XX/XX/XXXX  - Lender provided VOB's. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30169 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Regulation § XXXXXX(c)(X)(ii) failure - The borrower(s) current employment status was not verified. XX/XX/XXXX XX/XX/XXXX  - The borrower(s) current employment status was not verified. Investor Guidelines require for self-employed borrower's - verification of the existence of the borrower's buisness dated XX calender days prior to the note date. The loan file does not contian a verification for X of X businesses. Please provide evidence the following business were open/active XX days prior to note date; XXX ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided VOB's. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30169 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Housing history does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Housing history does not meet guidelines: Missing proof two of four rental properties are current. Properties in question are XXXX XXX showing due for XX/XX/XXXX on mtg stmt and XXXX  showing due for XX/XX/XXXX on credit report and mtg stmt.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Mortgage history. Condition cleared.; XX/XX/XXXX  - Housing delinquency meets guidelines.; XX/XX/XXXX  - Audit reviewed Lenders response, however; missing XX/XXXX Mortgage history for  XXXX  . Condition remains.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30120 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30120 Flow XXXXX $XXXXX WA Cleared C A C A C A C A C A Property XXXXX Title Issues Present XX/XX/XXXX XX/XX/XXXX  - Investor Guidelines require the title report to reflect a loan amount that is equal to or greater than the subject property loan amount. The title report in file reflects a loan amount that is less than the subject property loan amount reflected on the Note. (Title report = $XXX,XXX; Note = $XXX,XXX) ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Final title policy. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30120 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30138 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.  ;   XX/XX/XXXX XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30138 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition fo rinformational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30138 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: loan is not in forbearance and no requests have been received from borrower at this time.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30138 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Property XXXXX Second Appraisal is Missing XX/XX/XXXX XX/XX/XXXX  - The second appraisal is Missing.  Additional conditions may apply. Please note: If the value of the second appraisal comes in less than $XXXXMM, a CDA must be provided on the lower appraisal per investor guideline.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Xnd appraisal. Condition Cleared.; XX/XX/XXXX  - The second appraisal is Present; XX/XX/XXXX  - Audit reviewed lender's response and re-reviewed file and has determined there are X copies of the same appraisal from KT Appraisals with value of $X,XXX,XXX; however, the second appraisal by was not found in file.  Please provide copy of second appraisal.  Condition retained.; XX/XX/XXXX  - XX/XX/XXXX: Two appraisals already in file - X/X, $XXXXMM by X/X, $XXXXMM by     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30453 Flow XXXXX $XXXXX TX Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  -FEMA declared XXX, with a release date of  XX/XX/XXXX.  The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only. ;   XX/XX/XXXX XX/XX/XXXX  - Post disaster inspection confirms no property damage     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30453 Flow XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared. ; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30453 Flow XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA datat review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30453 Flow XXXXX $XXXXX TX Cleared C A C A C A C A C A Credit XXXXX Hazard Insurance Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Hazard insurance indicator is Partial. Hazard insurance indicator is Partial;  Per Investor guidelines, they require the hazard insurance effective date to be dated at or prior to Note date.  Subject loan is dated after the Note date (Note date XX/XX/XXXX, effective date of HOI  XX/XX/XXXX).;   XX/XX/XXXX XX/XX/XXXX  - Lender provided HOI. Condition cleared.; XX/XX/XXXX  - Hazard insurance indicator is Present     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30410 Flow XXXXX $XXXXX CO Cured Post Close C A C A C A C A C A Credit XXXXX CoBorrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - CoBorrower Employment Verification does not meet guidelines.  Missing VOE dated XX days prior to closing. ;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'CoBorrower Employment Verification does not meet guidelines' from Cleared to Cured Post Close.; XX/XX/XXXX  - Lender provided VOE before and after note date. Condition downgraded to B.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30410 Flow XXXXX $XXXXX CO Cured Post Close C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Missing VOE dated XX days prior to closing for co-borrower.;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'ATR/QM Status is Pending' from Cleared to Cured Post Close.; XX/XX/XXXX  - Lender provided VOE before and after note date. Condition downgraded to B.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30410 Flow XXXXX $XXXXX CO Cured Post Close C A C A C A C A C A Compliance XXXXX Regulation § XXXXXX(c)(X)(ii) failure - The borrower(s) current employment status was not verified. XX/XX/XXXX XX/XX/XXXX  - The Co- Borrower(s) current employment status was not verified. Missing VOE dated XX days prior to closing for Co-Borrower.;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'Regulation § XXXXXX(c)(X)(ii) failure - The borrower(s) current employment status was not verified.' from Cleared to Cured Post Close.; XX/XX/XXXX  - Lender provided VOE before and after note date. Condition downgraded to B.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30410 Flow XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30410 Flow XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Conditions for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30284 Flow XXXXX $XXXXX ID Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditons may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30284 Flow XXXXX $XXXXX ID Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30257 Flow XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to compelte. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30257 Flow XXXXX $XXXXX CO Cleared C A C A C A C A C A Credit XXXXX Executed HELOC closure letter not provided. XX/XX/XXXX XX/XX/XXXX  - HELOC closure letter is missing and is required.; XX/XX/XXXX  - Missing executed documentation HELOC is closed to future draws;   XX/XX/XXXX XX/XX/XXXX  - Lender provided executed HELOC closure letter.  Condition cleared.; XX/XX/XXXX  - HELOC closure documentation provided     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30257 Flow XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made by the borrowers on this loan     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30257 Flow XXXXX $XXXXX CO Cleared C A C A C A C A C A Credit XXXXX Documentation for Recent Draws on HELOC is Missing XX/XX/XXXX XX/XX/XXXX  - HELOC XX month draw history is missing.; XX/XX/XXXX  - Documentation evidencing the HELOC draw schedule for the prior XXXX months is missing.  XX month draw history is missing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided HELOC draw history.  Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30234 Flow XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor reqeust, please provide all servicig comment hisotires from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assisance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30234 Flow XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30234 Flow XXXXX $XXXXX AZ Cleared C A C A C A C A C A Credit XXXXX Executed HELOC closure letter not provided. XX/XX/XXXX XX/XX/XXXX  - Missing executed documentation HELOC is closed to future draws: Letter in file is not signed as required. pg XXX.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided executed HELOC closure letter.  Condition cleared.; XX/XX/XXXX  - HELOC closure documentation provided; XX/XX/XXXX  - Lender provided payoff; however, did not provide executed HELOC closure letter.  Condition retained.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30384 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - No forbearance requests or inquiries have been made; XX/XX/XXXX  - Change status of 'Servicing Comments are Missing' from Active to Open Rebuttal.; XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30384 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30299 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30299 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30330 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30330 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30396 Flow XXXXX $XXXXX CA Cleared A A A A A A A A A A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  -Servicing comments missing   XX/XX/XXXX XX/XX/XXXX  - Lender confirmed the borrower has not made any forbearance inquires. Conditon cleared        
OBX2021J30396 Flow XXXXX $XXXXX CA Cleared A A A A A A A A A A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape missing   XX/XX/XXXX XX/XX/XXXX  - HMDA data tape missing        
OBX2021J30385 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30385 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor reqeust, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30353 Flow XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - No forbearance requests or inquiries have been made; XX/XX/XXXX  - Change status of 'Servicing Comments are Missing' from Active to Open Rebuttal.; XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30353 Flow XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30171 Flow XXXXX $XXXXX VA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30171 Flow XXXXX $XXXXX VA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX:  I can confirm the client has not requested or inquired about inquired about or requested COVID-19 relief assistance after closing -- XXX; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30171 Flow XXXXX $XXXXX VA Cleared D A D A D A C A C A Credit XXXXX AUS is Missing XX/XX/XXXX XX/XX/XXXX  - AUS was not provided in the file as required.; XX/XX/XXXX  - The AUS is Missing;   XX/XX/XXXX XX/XX/XXXX  - Lender provided AUS. Condition cleared.; XX/XX/XXXX  - The AUS is received.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30080 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending data review. Conditions for informational purposes only. Due Dilgence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30080 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30334 Flow XXXXX $XXXXX SC Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30334 Flow XXXXX $XXXXX SC Cleared C A C A C A C A C A Property XXXXX Title Issues Present XX/XX/XXXX XX/XX/XXXX  - The following issues were noted: Title commitment policy amount is$XXXwhich is less than Note amount of $X,XXX,XXXXX. Please provide policy coverage amount equal to or greater than Note amount.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided title reflecting sufficient coverage.  Condition cleared.     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30334 Flow XXXXX $XXXXX SC Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30110 Flow XXXXX $XXXXX FL Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  - Property is located in XXX.FEMA declared XXXwith a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;   XX/XX/XXXX XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30110 Flow XXXXX $XXXXX FL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30110 Flow XXXXX $XXXXX FL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30110 Flow XXXXX $XXXXX FL Acknowledged B B B B B B B B B B Compliance XXXXX RESPA Homeownership Counseling Organizations Disclosure Date Test XX/XX/XXXX XX/XX/XXXX  - The homeownership counseling disclosure was issued on the fourth business day.; XX/XX/XXXX  - This loan failed the homeownership counseling organizations disclosure date test due to the following findings: ( XX CFR §XXXXXX(a) )The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XX days prior to the time when the list is provided to the loan applicant from either:(X)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(X)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXX.X(b) and as it relates to §XXXXXX (list of homeownership counseling organizations provided not later than X business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations.;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'RESPA Homeownership Counseling Organizations Disclosure Date Test' from Active to Acknowledged by Client.; XX/XX/XXXX  - Condition downgraded to B. Waiver Client Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30110 Flow XXXXX $XXXXX FL Acknowledged C A C A C A C A C A Compliance XXXXX Written List of Service Providers Disclosure Date Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( XX CFR §XXXXXX(e)(X)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXXXXX(e)(X)(e)(X)(iii) §XXXX.X(a)(X) and as it relates to §XXXXXX(a)(X)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §XXXXXX(e)(X)(e)(X)(i) but in accordance with the timing requirements in §XXXXXX(e)(X)(e)(X)(iii).;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'Written List of Service Providers Disclosure Date Test' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Written List of Service Providers Disclosure Date Test' from Material to Non-Material.; XX/XX/XXXX  - Condition downgraded to B. Waiver Client Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30110 Flow XXXXX $XXXXX FL Cleared C A C A C A C A C A Credit XXXXX Borrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - The lender did not obtain a business license for the borrower. Borrower is a CPA and is required to have a license. Lender only performed a business lookup on the internet but did not verify borrower was licensed in the state.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided verification borrower is a Certified Public Accountant.  Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30110 Flow XXXXX $XXXXX FL Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - The lender is to obtain a business license for borrower as CPAs must be licensed.; XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided verification borrower is a Certified Public Accountant.  Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30110 Flow XXXXX $XXXXX FL Cleared C A C A C A C A C A Compliance XXXXX Regulation § XXXXXX(c)(X)(ii) failure - The borrower(s) current employment status was not verified. XX/XX/XXXX XX/XX/XXXX  - The borrower(s) current employment status was not verified. ; XX/XX/XXXX  - The lender is to obtain a business license for borrower as CPAs must be licensed.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided verification borrower is a Certified Public Accountant.  Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30266 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.Loan is pending HMDA data review.Condition for informational purposes only.Due Diligence firm to complete.Additional conditions may apply.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30266 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request ,please provide all servicing comment histories from seller/servicer to confirm borrowers have not inquired about or requested COVID-19 relief assistance after closing.Additional conditions may apply; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30266 Flow XXXXX $XXXXX CA Cleared D A D A D A C A C A Credit XXXXX Final Loan Application is Missing XX/XX/XXXX XX/XX/XXXX  - Final loan application is Missing: Missing Final XXXX. Only initial XXXX was provided in the ifle.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided XXXX.  Condition cleared.; XX/XX/XXXX  - Final loan application is Present     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30058 Flow XXXXX $XXXXX NC Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided: HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply)”  ;   XX/XX/XXXX XX/XX/XXXX  - HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30058 Flow XXXXX $XXXXX NC Cleared C A C A C A C A C A Credit XXXXX Borrower Income Verification does not match Approval XX/XX/XXXX XX/XX/XXXX  - The borrower income verification does not match approval: Missing Stmt X and X of S corp returns for XXXX/XXXX  Inc in order fully calculate income.;   XX/XX/XXXX XX/XX/XXXX  - The borrower income verification does match approval. Lender provided business returns. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30058 Flow XXXXX $XXXXX NC Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30058 Flow XXXXX $XXXXX NC Cleared C A C A C A C A C A Credit XXXXX Housing history does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Housing history does not meet guidelines. Missing XX/XXXX housing payment history for subject property.;   XX/XX/XXXX XX/XX/XXXX  - Housing delinquency meets guidelines. Lender provided Mortgage history. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30058 Flow XXXXX $XXXXX NC Cleared D A D A D A C A C A Credit XXXXX Borrower Liabilities Verification Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Borrower liabilities verified indicator is Partial; Missing proof of new loan listed on application for Xnd home with PITI payment of $XXXX/mo for XX   .;   XX/XX/XXXX XX/XX/XXXX  - Borrower liabilities verified indicator is Present; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide documentation utilized in confirming proposed PITIA payment. Condition remains.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Final XXXX (PG XX) REO section discloses property. Condition remains.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30226 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Dilligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30226 Flow XXXXX $XXXXX CA Cleared D A D A D A C A C A Credit XXXXX Transmittal Summary is Missing XX/XX/XXXX XX/XX/XXXX  - Missing the transmittal summary. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided XXXX. Condition cleared.; XX/XX/XXXX  - The transmittal summary is Present     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30226 Flow XXXXX $XXXXX CA Cleared D A D A D A C A C A Credit XXXXX AUS is Missing XX/XX/XXXX XX/XX/XXXX  - Missing the AUS. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided AUS. Condition cleared.; XX/XX/XXXX  - The AUS is received.; XX/XX/XXXX  - The AUS is Missing     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30226 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Fraud Report Missing XX/XX/XXXX XX/XX/XXXX  - Fraud report Missing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Fraud Report with no red flags. Condition cleared.; XX/XX/XXXX  - Fraud report Present.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30226 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditons may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30226 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX CoBorrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Investor Guidelines require a VVOE to be performed within XX business days prior to the note date. The VVOE in file for the co-borrower is dated after the Note date. (Note date X/XX/XX; VVOE dated X/XX/XX);   XX/XX/XXXX XX/XX/XXXX  - Lender provided VOE. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30226 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Need VOE within XX days prior to Note date;   XX/XX/XXXX XX/XX/XXXX  - Lender provided VOE. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30208 Flow XXXXX $XXXXX FL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30208 Flow XXXXX $XXXXX FL Cleared D A D A D A C A C A Credit XXXXX Borrower Liabilities Verification Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Borrower liabilities verified indicator is Partial. Missing proof that the property located at XXXX    XXXXX is owned free and clear.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided property detail report evidencing free and clear. Condition cleared.; XX/XX/XXXX  - Borrower liabilities verified indicator is Present     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30208 Flow XXXXX $XXXXX FL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30208 Flow XXXXX $XXXXX FL Cleared C A C A C A C A C A Credit XXXXX Housing history does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Housing history does not meet guidelines. Borrowers sold previous primary residence on XX/XX/XXXX, moved to an address listed on p. XXX, prior to closing on purchase. No VOM for current rental address.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided housing history. Condition cleared.; XX/XX/XXXX  - Housing delinquency meets guidelines.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30208 Flow XXXXX $XXXXX FL Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Missing proof that the property located at XXXX    XXXXX is owned free and clear.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided property detail report evidencing free and clear. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30282 Flow XXXXX $XXXXX SC Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30282 Flow XXXXX $XXXXX SC Cleared C A C A C A C A C A Credit XXXXX CoBorrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - The lender's guidelines state that a verbal verification of employment  must be completed within XX business days prior to the note date. The vebval verification in the file was completed after the note date.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided the VVOE for the Co-Borrower within XX business days prior to the note date. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30282 Flow XXXXX $XXXXX SC Cleared C A C A C A C A C A Property XXXXX Title Issues Present XX/XX/XXXX XX/XX/XXXX  - Title shows a mechanics lien dated XX/XX/XX and filed XX/XX/XX in the amount of $X,XXX. There was no evidence found in the file that this was satisfied.; XX/XX/XXXX  - The following issues were noted:;   XX/XX/XXXX XX/XX/XXXX  - Lender provided satisfaction of Mechanics lien. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30282 Flow XXXXX $XXXXX SC Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30282 Flow XXXXX $XXXXX SC Cleared C A C A C A C A C A Credit XXXXX Fraud Report Shows Uncleared Alerts XX/XX/XXXX XX/XX/XXXX  - Fraud report shows the following alerts that have not been cleared:; XX/XX/XXXX  - The fraud report showed several high alerts for borrower regarding possible matches found on SAM.gov and possible match found on Freddie Mac Exclusionary list and Client-supplied Watch list. There was a clearance for SAM.gov; however, no evidence was found that the other high alerts were addressed.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided documentation to clear Fraud report. Condition cleared.; XX/XX/XXXX  - Alerts from Fraud Report have been cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30282 Flow XXXXX $XXXXX SC Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Need a VOE dated within XX days of the Note date for Co-Borrower;   XX/XX/XXXX XX/XX/XXXX  - Lender provided the VVOE for the Co-Borrower within XX business days prior to the note date. Condition cleared.; XX/XX/XXXX  - The exception 'ATR/QM Status is Pending' is cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30282 Flow XXXXX $XXXXX SC Cleared C A C A C A C A C A Compliance XXXXX Regulation § XXXXXX(c)(X)(ii) failure - The borrower(s) current employment status was not verified. XX/XX/XXXX XX/XX/XXXX  - The borrower(s) current employment status was not verified. Need a VOE dated within XX days prior to the Note date for Co-Borrower;   XX/XX/XXXX XX/XX/XXXX  - Lender provided the VVOE for the Co-Borrower within XX business days prior to the note date. Condition cleared.; XX/XX/XXXX  - The exception 'Regulation § XXXXXX(c)(X)(ii) failure - The borrower(s) current employment status was not verified.' is cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30288 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30288 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30263 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Addiitonal conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30263 Flow XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30211 Flow XXXXX $XXXXX CT Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30211 Flow XXXXX $XXXXX CT Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistanc after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30508 Flow XXXXX $XXXXX IL Cleared D A D A D A C A C A Credit XXXXX Transmittal Summary is Missing XX/XX/XXXX XX/XX/XXXX  - Missing Transmittal Summary. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided XXXX.  Condition cleared.; XX/XX/XXXX  - The transmittal summary is Present     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30508 Flow XXXXX $XXXXX IL Cleared D A D A D A C A C A Credit XXXXX AUS is Missing XX/XX/XXXX XX/XX/XXXX  - Missing AUS (Investor guidelines require an AUS in every file with an Approve/Ineligible for non-conforming loan amounts.);   XX/XX/XXXX XX/XX/XXXX  - Lender provided AUS.  Condition cleared.; XX/XX/XXXX  - The AUS is received.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30508 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30508 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing: Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30508 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Property XXXXX Third Party Valuation Product Not Provided and CU Score is Greater Than X.X XX/XX/XXXX XX/XX/XXXX  - Third Party Valuation Product Not Provided and CU Score is XXX.Missing CDA report.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided CDA within tolerance. Condition cleared.; XX/XX/XXXX  - Third Party Valuation Product Provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30508 Flow XXXXX $XXXXX IL Cleared D A D A D A D A D A Property XXXXX Third Party Valuation Product not Provided XX/XX/XXXX XX/XX/XXXX  - Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.Missing CDA report.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided CDA within tolerance. Condition cleared.; XX/XX/XXXX  - Third Party Valuation Product Provided     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30057 Flow XXXXX $XXXXX AL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30057 Flow XXXXX $XXXXX AL Cleared C A C A C A C A C A Credit XXXXX HMDA Discrepancy(s) Noted XX/XX/XXXX XX/XX/XXXX  - Added XX/XX/XXXX: HMDA Review Completed.   Universal Loan ID (ULI) not provided. ;   XX/XX/XXXX XX/XX/XXXX  - ULI provided pg XXX, condition cleared.; XX/XX/XXXX  - The exception 'HMDA Discrepancy(s) Noted' is cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30057 Flow XXXXX $XXXXX AL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA review complete, please see additional condition added.    ; XX/XX/XXXX  - Loan is pending HMDA Data Review. HMDA Data Tape was not provided - Lender to provide. Tape can be emailed. (Please note: additional conditions may apply).     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30123 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.FEMA decalred XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ;   XX/XX/XXXX XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30123 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30123 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30123 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX HMDA Discrepancy(s) Noted XX/XX/XXXX XX/XX/XXXX  - The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided;   XX/XX/XXXX XX/XX/XXXX  - Lender provided the Universal Loan Identifier. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30156 Flow XXXXX $XXXXX ID Cleared B A B A B A B A B A Credit XXXXX Borrower Employment Verification is Unavailable XX/XX/XXXX XX/XX/XXXX  - Borrower employment verification is Unavailable; XX/XX/XXXX  - VVOE within XX days of note date ismissing for all three business used in calculations for  . (VOE's in file are well beyond XX day requirement.);   XX/XX/XXXX XX/XX/XXXX  - Borrower employment verification is Stated Level X Verified (as defined); XX/XX/XXXX  - The file does contain sufficient documentation that meets QM for a self-employed borrower along with evidence that Lender verified employment prior to consummation. The final grade is a non-material B.; XX/XX/XXXX  - Change status of 'Borrower Employment Verification is Unavailable' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Borrower Employment Verification is Unavailable' from Material to Non-Material.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30156 Flow XXXXX $XXXXX ID Cleared A A A A A A A A A A Credit XXXXX Borrower Employment Verification Level is missing XX/XX/XXXX XX/XX/XXXX  - VVOE within XX days of note date ismissing for all three business used in calculations for  . (VOE's in file are well beyond XX day requirement.); XX/XX/XXXX  - The borrower employment verification level is Missing;   XX/XX/XXXX XX/XX/XXXX  - The borrower employment verification level is Level X - Verified-direct independent verif w/Xrd party; XX/XX/XXXX  - invalid finding; XX/XX/XXXX  - Change status of 'Borrower Employment Verification Level is missing' from Cleared to Rescind.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30156 Flow XXXXX $XXXXX ID Cleared D A D A D A C A C A Compliance XXXXX Right to Cancel is Missing XX/XX/XXXX XX/XX/XXXX  - The right to cancel is Missing; XX/XX/XXXX  - The right to cancel is missing.;   XX/XX/XXXX XX/XX/XXXX  - The right to cancel is Present     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30156 Flow XXXXX $XXXXX ID Cleared C A C A C A C A C A Compliance XXXXX Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure XX/XX/XXXX XX/XX/XXXX  - Original PI Payment on Note matches Final CD
From Hard Coded form in template:
'Closing Disclosure' at XX/XX/XXXX; 		  XX/XX/XXXX XX/XX/XXXX  - Original PI Payment on Note matches Final CD; XX/XX/XXXX  - invalid finding, condition rescinded     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30156 Flow XXXXX $XXXXX ID Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30156 Flow XXXXX $XXXXX ID Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA data tape provided.; XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30445 Flow XXXXX $XXXXX OR Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection. Property is located in XXX.  FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Property is located in XXX.  FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.  FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30445 Flow XXXXX $XXXXX OR Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional condtions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30445 Flow XXXXX $XXXXX OR Acknowledged C B C B C B C B C B Compliance XXXXX Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance XX/XX/XXXX XX/XX/XXXX  - Incorrect rescission model used - RTC form modelH-X used for Same Lender or Lender Affiliate Refinance This is a lender to lender transaction per title report. Form in file is an HX when an HX is required.;   XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance ' from Material to Non-Material.; XX/XX/XXXX  - Per SFIG deemed non material.  Loan will be graded a B.  ; XX/XX/XXXX  - Change status of 'Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance ' from Active to Acknowledged by Client. Waiver Client Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30445 Flow XXXXX $XXXXX OR Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30031 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Borrower Income Verification does not match Approval XX/XX/XXXX Borrower Income Verification does not match Approval   XX/XX/XXXX XX/XX/XX - Lender provided missing income documentation. Condition cleared        
OBX2021J30031 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX Servicing Comments are Missing   XX/XX/XXXX XX/XX/XX - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.        
OBX2021J30031 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX ATR/QM Status is Pending   XX/XX/XXXX XX/XX/XX - Income documentation provided condition cleared.        
OBX2021J30031 Flow XXXXX $XXXXX CA Cleared A A A A A A A A A A Credit XXXXX Trust Documentation Missing or Incomplete XX/XX/XXXX Trust Documentation Missing or Incomplete   XX/XX/XXXX XX/XX/XX - Trust agreement provided. Condition cleared.        
OBX2021J30031 Flow XXXXX $XXXXX CA Cleared A A A A A A A A A A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX Property is located in XXX   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		        
OBX2021J30237 Flow XXXXX $XXXXX SC Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30237 Flow XXXXX $XXXXX SC Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30314 Flow XXXXX $XXXXX NV Acknowledged C B C B C B C B C B Compliance XXXXX Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance XX/XX/XXXX XX/XX/XXXX  - Incorrect rescission model used - RTC form modelH-X used for Same Lender or Lender Affiliate Refinance  RTC form modelH-X used for Yes;   XX/XX/XXXX XX/XX/XXXX  - Change status of 'Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance ' from Active to Acknowledged by Client.; XX/XX/XXXX  - Condition downgraded to B.; XX/XX/XXXX  - Change severity of 'Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance ' from Material to Non-Material. Waiver Client Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30314 Flow XXXXX $XXXXX NV Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30314 Flow XXXXX $XXXXX NV Cleared C A C A C A C A C A Property XXXXX Is Completion Certificate in file is No XX/XX/XXXX XX/XX/XXXX  - The appraisal was completed "Subject To" however, the file is missing the Completion Certificate.; XX/XX/XXXX  - Completion Certificate is missing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided XXX. Condition cleared.; XX/XX/XXXX  - The Completion Certificate is Yes     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30314 Flow XXXXX $XXXXX NV Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30204 Flow XXXXX $XXXXX CA Cleared D A D A D A C A C A Credit XXXXX Borrower Transcript is Partial XX/XX/XXXX XX/XX/XXXX  - The borrower Transcript is Partial: Missing XXXX tax transcripts for  which is required.;   XX/XX/XXXX XX/XX/XXXX  - The borrower transcript is Present     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30204 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief asssitance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30204 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30204 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Executed HELOC closure letter not provided. XX/XX/XXXX XX/XX/XXXX  - Missing executed documentation HELOC is closed to future draws; XX/XX/XXXX  - HELOC closure letter is wasnot provided in file as required.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided executed HELOC letter.  Condition cleared.; XX/XX/XXXX  - HELOC closure documentation provided     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30023 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30023 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.Loan is pending HMDA data review.Condition for informational purposes only.Due Diligence firm to complete.(Additional conditions may apply); XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30023 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request,please provide all servicing comment histories from seller/servicer to confirm borrowers have not inquired about or requested COVID-19 relief assistance after closing.Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared. ; XX/XX/XXXX  - No forbearance requests or inquiries have been made     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30023 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Property XXXXX Title Issues Present XX/XX/XXXX XX/XX/XXXX  - added XX/XX/XXXX: The following issues were noted:  Executed Certification of Trust was not found in file.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided executed and notarized COT. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30129 Flow XXXXX $XXXXX MN Cleared C A C A C A C A C A Compliance XXXXX Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure XX/XX/XXXX XX/XX/XXXX  - Original PI Payment on Note matches Final CD
From Hard Coded form in template:
'Closing Disclosure' at XX/XX/XXXX; 		  XX/XX/XXXX XX/XX/XXXX  - Original PI Payment on Note matches Final CD     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30129 Flow XXXXX $XXXXX MN Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30129 Flow XXXXX $XXXXX MN Cleared C A C A C A C A C A Credit XXXXX HMDA Discrepancy(s) Noted XX/XX/XXXX XX/XX/XXXX  - The following HMDA Discrepancy(s) have been noted:    ULI (Universal Loan ID) not provided.;   XX/XX/XXXX XX/XX/XXXX  - ULI provided, condition cleared; XX/XX/XXXX  - The exception 'HMDA Discrepancy(s) Noted' is cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30129 Flow XXXXX $XXXXX MN Cleared C A C A C A C A C A Credit XXXXX Borrower Employment Verification is Unavailable XX/XX/XXXX XX/XX/XXXX  - WVOE is missing.; XX/XX/XXXX  - Borrower employment verification is Unavailable;   XX/XX/XXXX XX/XX/XXXX  - Lender provided updated XXXX/AUS and XXXX utilizing retirement income only. Condition cleared.; XX/XX/XXXX  - Borrower employment verification is ___     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30129 Flow XXXXX $XXXXX MN Cleared C A C A C A C A C A Credit XXXXX Borrower Employment Verification Level is missing XX/XX/XXXX XX/XX/XXXX  - The borrower employment verification level is Missing; XX/XX/XXXX  - WVOE within XX days of Note date is missing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided updated XXXX/AUS and XXXX utilizing retirement income only. Condition cleared.; XX/XX/XXXX  - The borrower employment verification level is ___     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30129 Flow XXXXX $XXXXX MN Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30129 Flow XXXXX $XXXXX MN Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Need VOE within XX days prior to Note date.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided updated XXXX/AUS and XXXX utilizing retirement income only. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30129 Flow XXXXX $XXXXX MN Cleared C A C A C A C A C A Credit XXXXX Executed HELOC closure letter not provided. XX/XX/XXXX XX/XX/XXXX  - Missing HELOC closure lettter.; XX/XX/XXXX  - Missing executed documentation HELOC is closed to future draws;   XX/XX/XXXX XX/XX/XXXX  - Lender provided HELOC closure letter.  Condition cleared.; XX/XX/XXXX  - HELOC closure documentation provided     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30177 Flow XXXXX $XXXXX TX Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30177 Flow XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30177 Flow XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30329 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX Property is located in XXX   XX/XX/XXXX XX/XX/XX - Condition for information purposes appraisal dated after disaster. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30329 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowres have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30329 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30083 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Intent to Proceed is Missing XX/XX/XXXX XX/XX/XXXX  - Signed document not provided and is required. ; XX/XX/XXXX  - The intent to proceed is Missing;   XX/XX/XXXX XX/XX/XXXX  - Lender provided ITP. Condition cleared.; XX/XX/XXXX  - The intent to proceed is received.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30083 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided: Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed. No Level X findings noted; condition cleared. ; XX/XX/XXXX  - HMDA data tape provided.; XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply)     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30083 Flow XXXXX $XXXXX CA Cleared B A B A B A B A B A Compliance XXXXX Homeownership Counseling Disclosure is Missing XX/XX/XXXX XX/XX/XXXX  - Document not provided and is required. ; XX/XX/XXXX  - The homeownership disclosure is Missing;   XX/XX/XXXX XX/XX/XXXX  - The homeownership disclosure is recieved.; XX/XX/XXXX  - Non-material per SFIG guidance.; XX/XX/XXXX  - Change status of 'Homeownership Counseling Disclosure is Missing' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Homeownership Counseling Disclosure is Missing' from Non-Material to Material.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30083 Flow XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Cal. Fin. Code  § XXXX(k) - Consumer Caution and Home Ownership Counseling Notice Disclosure was not provided XX/XX/XXXX XX/XX/XXXX  - Document not provided and is required. ; XX/XX/XXXX  - Cal. Fin. Code  § XXXX(k) - Consumer Caution and Home Ownership Counseling Notice Disclosure was not provided;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Homeownership counseling notice.  Condition cleared.; XX/XX/XXXX  - Consumer Caution and Home Ownership Counseling Notice Disclosure was provided     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30083 Flow XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30083 Flow XXXXX $XXXXX CA Cleared B A B A B A B A B A Compliance XXXXX Affiliated Business Disclosure is Missing XX/XX/XXXX XX/XX/XXXX  - Document not provided and is required. ; XX/XX/XXXX  - The affiliate business disclosure is Missing;   XX/XX/XXXX XX/XX/XXXX  - Lender provided AFB. Condition cleared.; XX/XX/XXXX  - The affiliate business disclosure is Present; XX/XX/XXXX  - Non-material per SFIG guidance.; XX/XX/XXXX  - Change status of 'Affiliated Business Disclosure is Missing' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Affiliated Business Disclosure is Missing' from Non-Material to Material.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXX or $XXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30335 Flow XXXXX $XXXXX NV Acknowledged B B B B B B B B B B Credit XXXXX Hazard Insurance Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Hazard Insurance Indicator is Partial' from Material to Non-Material.; XX/XX/XXXX  - Hazard insurance indicator is Partial. Hazard insurance indicator is Partial;  Per Investor guidelines, they require the hazard insurance effective date to be dated at or prior to Note date.  Subject loan is dated after the Note date (Note date XX/XX/XXXX, effective date of HOI  XX/XX/XXXX). Exception granted for properties located in NV when the effective date of the insurance is after the closing date but on or prior to the disbursement date. Final grade will be a "B" for all agencies.;   XX/XX/XXXX XX/XX/XXXX  - Exception granted for properties located in NV when the effective date of the insurance is after the closing date but on or prior to the disbursement date. Final grade will be a "B" for all agencies; XX/XX/XXXX  - Exception granted for properties located in NV when the effective date of the insurance is after the closing date but on or prior to the disbursement date. Final grade will be a "B" for all agencies.; XX/XX/XXXX  - Change status of 'Hazard Insurance Indicator is Partial' from Active to Acknowledged by Client. Waiver Client Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30335 Flow XXXXX $XXXXX NV Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30335 Flow XXXXX $XXXXX NV Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional condition may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30414   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  -FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  -FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30414   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30414   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing ocmment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional condition may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30470   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection. The start date was XX/XX/XXXX with an end date of XX/XX/XXXX. The appraisal was completed on XX/XX/XXXX. No damage reported, this is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection. The start date was XX/XX/XXXX with an end date of XX/XX/XXXX. The appraisal was completed on XX/XX/XXXX. No damage reported, this is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30470   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30470   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30452   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  -FEMA declared XXX with a release date of XX/XX/XXXX, and on XX/XX/XX with a release date of XX/XX/XX.  The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only. ;   XX/XX/XXXX XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30452   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30452   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30530   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  -FEMA decalred XXX, with an incident end date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.FEMA decalred XXX, with an incident end date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  -FEMA decalred XXX, with an incident end date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30530   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30530   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Dilgence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30503   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.FEMA decalred XXX, with an incident end date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purpsoses only.; XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  -FEMA decalred XXX, with an incident end date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purpsoses only.;   XX/XX/XXXX XX/XX/XXXX  - Post disaster inspection confirms no property damage; XX/XX/XXXX  -FEMA decalred XXX, with an incident end date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purpsoses only.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30503   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30503   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30504   XXXXX $XXXXX CA Cleared D A D A D A C A C A Credit XXXXX Fully Executed Purchase Contract is Partial XX/XX/XXXX XX/XX/XXXX  - Investor guidelines require a fully executed purchase contract and all applicable addendums. The Purchase Contract on page XXX reflect a sales price of $X,XXX,XXX. However, Final CD page XX reflect a sales price of $X,XXX,XXX. File missing an addendum that reflect the change in sales price. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided the purchase addendum showing $X,XXX,XXXXX. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30504   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.  ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30504   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply); XX/XX/XXXX  - Loan is pending HMDA data review. Conditions for informational purposes only. Due diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30502   XXXXX $XXXXX CA Acknowledged C B C B C B C B C B Credit XXXXX Hazard Insurance Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Hazard insurance indicator is Partial. Per Investor guidelines, they require the hazard insurance effective due to be dated at or prior to Note date. Subject loan is dated after the Note date (Note date XX/XX/XXXX, effective date of HOI XX/XX/XXXX).; XX/XX/XXXX  - Per Investor guidelines, they require the hazard insurance effective due to be dated at or prior to Note date. Subject loan is dated after the Note date (Note date XX/XX/XXXX, effective date of HOI XX/XX/XXXX).;   XX/XX/XXXX XX/XX/XXXX  - Exception granted for properties located in CA when the effective date of the insurance is after the closing date but on or prior to the disbursement date. Final grade will be a "B" for all agencies.; XX/XX/XXXX  - Change status of 'Hazard Insurance Indicator is Partial' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Hazard Insurance Indicator is Partial' from Material to Non-Material. Waiver Client Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30502   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30502   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30512   XXXXX $XXXXX CA Acknowledged C B C B C B C B C B Credit XXXXX Hazard Insurance Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Hazard insurance indicator is Partial. Hazard insurance indicator is Partial; Per Investor guidelines, they require the hazard insurance effective date to be dated at or prior to Note date. Subject loan is dated after the Note date (Note date XX/XX/XXXX, effective date of HOI XX/XX/XXXX).; XX/XX/XXXX  - Per Investor guidelines, they require the hazard insurance effective date to be dated at or prior to Note date. Subject loan is dated after the Note date (Note date XX/XX/XXXX, effective date of HOI XX/XX/XXXX).;   XX/XX/XXXX XX/XX/XXXX  - Exception granted for properties located in CA when the effective date of the insurance is after the closing date but on or prior to the disbursement date. Final grade will be a "B" for all agencies.; XX/XX/XXXX  - Change status of 'Hazard Insurance Indicator is Partial' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Hazard Insurance Indicator is Partial' from Material to Non-Material. Waiver Client Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30512   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.FEMA decalred XXX, with an incedent end date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  -FEMA decalred XXX, with an incedent end date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  -FEMA decalred XXX, with an incedent end date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30512   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30512   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30523   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection. FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30523   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HDMA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30523   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30518   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  - Property is located in XXX.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX.  
OBX2021J30518   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional condition may apply. ; XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX.  
OBX2021J30518   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.  ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX.  
OBX2021J30528   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  -FEMA decalred XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.FEMA decalred XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.FEMA decalred XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30528   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories form the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30528   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Additional conditions may apply.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30351   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - HMDA tape provided. No level X discrepancies noted. Condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30351   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30473   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ; XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30473   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.  ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30473   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply);   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30423   XXXXX $XXXXX OR Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30423   XXXXX $XXXXX OR Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Conditions for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30522   XXXXX $XXXXX MN Cleared C A C A C A C A C A Credit XXXXX Appraisal date is greater than XXX days from Origination date. XX/XX/XXXX XX/XX/XXXX  - Appraisal dated XX/XX/XXXX is greater than XXX days from Note date of XX/XX/XXXX.; XX/XX/XXXX  - Change severity of 'Appraisal date is greater than XXX days from Origination date.' from Material to Non-Material.; XX/XX/XXXX  - Change status of 'Appraisal date is greater than XXX days from Origination date.' from Active to Acknowledged by Client.; XX/XX/XXXX  - A recertification was provided in the loan file on page XXX dated XX/XX/XXXX supporting the original appraised value.;   XX/XX/XXXX XX/XX/XXXX  - Appraisal dated XX/XX/XXXX is greater than XXX days from Note date of XX/XX/XXXX.; XX/XX/XXXX  - Change severity of 'Appraisal date is greater than XXX days from Origination date.' from Material to Non-Material.; XX/XX/XXXX  - Change status of 'Appraisal date is greater than XXX days from Origination date.' from Active to Acknowledged by Client.; XX/XX/XXXX  - A recertification was provided in the loan file on page XXX dated XX/XX/XXXX supporting the original appraised value.;     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30522   XXXXX $XXXXX MN Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HDMA Data Tape provided. Loan is pending HDMA Data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA tape provided. No level X discrepancies noted. Condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30522   XXXXX $XXXXX MN Cleared D A D A D A C A C A Credit XXXXX CoBorrower Transcripts is Missing XX/XX/XXXX XX/XX/XXXX  - Tax transcripts and tax returns are missing.; XX/XX/XXXX  - The coborrower Transcripts is Missing;   XX/XX/XXXX XX/XX/XXXX  - The coborrower Transcripts is Present     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30522   XXXXX $XXXXX MN Cleared C A C A C A C A C A Credit XXXXX Borrower Income Verification does not match Approval XX/XX/XXXX XX/XX/XXXX  - The borrower income verification does not match approval. Tax Returns and Tax Transcripts are missing.; XX/XX/XXXX  - Tax transcripts and tax returns are missing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided the signed tax returns. Condition cleared. ; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide SIGNED pages for XXXX/XXXX tax returns. Condition remains.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30522   XXXXX $XXXXX MN Cleared C A C A C A C A C A Credit XXXXX CoBorrower Income Verification does not match Approval XX/XX/XXXX XX/XX/XXXX  - Tax transcripts and tax returns are missing.; XX/XX/XXXX  - The coborrower income verification does not match approval. Tax Returns and Tax Transcripts are missing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided the signed Tax Returns and Tax Transcripts. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30522   XXXXX $XXXXX MN Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Need XXX years most current Transcripts, P &amp; L and Balance sheet for Borrower's self-employment, and XXX years tax returns.
; 		  XX/XX/XXXX XX/XX/XXXX  - Lender provided XXX years most current Transcripts, P &amp; L and Balance sheet for Borrower's self-employment, and XXX years tax returns. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30522   XXXXX $XXXXX MN Cleared C A C A C A C A C A Credit XXXXX Profit and Loss Does Not Meet Guidelines XX/XX/XXXX XX/XX/XXXX  - Profit and Loss Does Not Meet Guidelines. Profit and Loss is missing for Schedule C business.; XX/XX/XXXX  - Profit and Loss is missing for Schedule C business.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided the signed P&amp;L. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30522   XXXXX $XXXXX MN Cleared C A C A C A C A C A Credit XXXXX Balance Sheet Does Not Meet Guidelines XX/XX/XXXX XX/XX/XXXX  - Balance Sheet for Schedule C business is missing.; XX/XX/XXXX  - Balance Sheet Does Not Meet Guidelines. Balance Sheet for Schedule C business is missing.;   XX/XX/XXXX XX/XX/XXXX  - Income not used. Balance sheet not required. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30522   XXXXX $XXXXX MN Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - No forbearance requests or inquiries have been made; XX/XX/XXXX  - Lender provided the attestation of expected ability to repay. Please provide an attestation that the borrower has not inquired for any COVID relief. Condition maintained.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30522   XXXXX $XXXXX MN Cleared C A C A C A C A C A Compliance XXXXX Missing Taxpayer First Act Disclosure XX/XX/XXXX XX/XX/XXXX  - Missing Taxpayer First Act Disclosure.;   XX/XX/XXXX XX/XX/XXXX  -  Taxpayer First Act Disclosure provided, condition cleared.; XX/XX/XXXX  - Taxpayer First Act Disclosure is now available. ; XX/XX/XXXX  - Condition added based on Transcripts being received. Please provide Taxpayer First Act Disclosure for borrower and co-borrower dated prior to tax transcript order date of XX/XX/XXXX.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30480   XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers hhave not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.    
OBX2021J30480   XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.    
OBX2021J30345   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Post disaster inspection confirms no property damage; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;   XX/XX/XXXX XX/XX/XXXX  - Post disaster Inspection  report provided indicates no damage. ; XX/XX/XXXX  - Post disaster inspection confirms no property damage; XX/XX/XXXX  - FEMA declared XXX, with a release date of XX/XX/XXXX.  The appraisal in file is dated XX/XXXXXXand shows no damage.  Exception is for informational purposes only.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30345   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - No forbearance requests or inquiries have been made; XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30345   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA tape provided. No level X discrepancies noted. Condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30424   XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA tape provided. No level X discrepancies noted. Condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30424   XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30344   XXXXX $XXXXX NY Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.  ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30344   XXXXX $XXXXX NY Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply); XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30344   XXXXX $XXXXX NY Cleared D A D A D A C A C A Credit XXXXX Borrower Liabilities Verification Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Borrower liabilities were not fully verified. Borrower and Co-Borrower purchased a second home located at XX   on May XX, XXXX . Loan file does not contain proof i.e. mortgage statement/tax bill/HOI/HOA (if applicable), of all expenses associated with this property. Lender must provide mortgage statement/tax bill/HOI/HOA (if applicable) to ensure all expenses are included in DTI. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided verification of PITIA for XX .  Condition cleared.; XX/XX/XXXX  - Borrower liabilities verified indicator is Present; XX/XX/XXXX  - Audit reviewed Lenders response, however; Additional expenses were disclosed and Must be included in ratios. Please provide most recent LE/CD (Dated prior to subject Note date) for other property to be included in ratios. Condition remains.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30344   XXXXX $XXXXX NY Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q. Borrower and Co-Borrower purchased a second home located at XX   on May XX, XXXX. Loan file does not contain proof i.e. mortgage statement/tax bill/HOI/HOA (if applicable), of all expenses associated with this property. Lender must provide mortgage statement/tax bill/HOI/HOA (if applicable) to ensure all expenses are included in DTI.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided verification of PITIA for XX .  Condition cleared.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Additional expenses were disclosed and Must be included in ratios. Please provide most recent LE/CD (Dated prior to subject Note date) for other property to be included in ratios. Condition remains.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30298   XXXXX $XXXXX MA Cleared C A C A C A C A C A Credit XXXXX Executed HELOC closure letter not provided. XX/XX/XXXX XX/XX/XXXX  - Missing executed documentation HELOC is closed to future draws: Missing required HELO letter to close as it is being paid off with this loan.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided HELOC closure letter. Condition cleared.; XX/XX/XXXX  - HELOC closure documentation provided     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30298   XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30298   XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30481   XXXXX $XXXXX OH Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30481   XXXXX $XXXXX OH Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing: Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.


; 		XX/XX/XXXX  - No forbearance requests or inquiries have been made; XX/XX/XXXX  - Change status of 'Servicing Comments are Missing' from Active to Open Rebuttal.; XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30346   XXXXX $XXXXX ME Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - XX/XX/XXXX:  No forbearance requests or inquiries have been made     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30346   XXXXX $XXXXX ME Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA tape provided. No level X discrepancies noted. Condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30343   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection; XX/XX/XXXX  - Property is located in XXX.  FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;
The exeception is currently marked as Non-Material.;
Property is located in XXX.  FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30343   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - XX/XX/XXXX: I can confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing - XXX     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30343   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Trust Documentation Missing or Incomplete XX/XX/XXXX XX/XX/XXXX  - Trust document is not properly executed or missing.  Unable to determine if signatures on note are accurate.  ; XX/XX/XXXX  - The Certification of Trust on page XXX is not executed nor notorized.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Certification of Trust.  Condition cleared.; XX/XX/XXXX  - Client provided trust document that was missing.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30343   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30352   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30352   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due diligence firm to complete. (Additional conditions may apply). ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30352   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30355   XXXXX $XXXXX CA Cleared A A A A A A A A A A Compliance XXXXX Security Instrument Indicator is Missing XX/XX/XXXX XX/XX/XXXX  - The security instrument indicator is Missing; XX/XX/XXXX  - The security instrument indicator is Not Applicable;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Mortgage. Condition cleared.; XX/XX/XXXX  - The security instrument indicator is Present     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30355   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comments histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30355   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30355   XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX TILA Right of Rescission Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; 		  XX/XX/XXXX XX/XX/XXXX  - This loan passed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is not before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; XX/XX/XXXX  - Lender provided Funding CD. Condition cleared.; XX/XX/XXXX  - Update: Final CD disbursement date is XX/XX/XXXX and RTC cancel by date is XX/XX/XXXX. Disbursement should be after XX/XX/XXXX. Condition remains.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30383   XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Conditions for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30383   XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30400   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30400   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30400   XXXXX $XXXXX AZ Cleared C A C A C A C A C A Credit XXXXX Borrower Income Verification does not match Approval XX/XX/XXXX XX/XX/XXXX  - The borrower income verification does not match approval: Please Provide tax transcripts for XXXX or an extension.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Tax extension. Condition cleared.; XX/XX/XXXX  - The borrower income verification does match approval     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30409   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Dilgence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30409   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30437   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicier to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.          
OBX2021J30437   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.        
OBX2021J30437   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Liquid Reserves are less than Guidelines Required XX/XX/XXXX XX/XX/XXXX  - The liquid reserves of XXXXX months or $XXXXXXX, are less than the Guidelines minimum required of XXXX or $XXXXXXXX.;   XX/XX/XXXX XX/XX/XXXX  - EMD cleared pg XXX - copy of cashiers check pg XXX-XXX, condition cleared; XX/XX/XXXX  - The liquid reserves of XXXXXX months or $XXXXXXXX, is greater than or equal to the Guidelines minimum required of XXXX or $XXXXXXXX.        
OBX2021J30500   XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HDMA Data Tape provided. Loan is pending HDMA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30500   XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30448   XXXXX $XXXXX GA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA tape provided. No level X discrepancies noted. Condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30448   XXXXX $XXXXX GA Cleared C A C A C A C A C A Credit XXXXX CoBorrower Employment Verification does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Missing VOE dated XX days prior to Note date XXX.XXXX. ; XX/XX/XXXX  - In error.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided VOE. Condition cleared.; XX/XX/XXXX  - Missing  a verification of employment dated within XX days prior to closing for the Co-borrower. Additional conditions may apply.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30448   XXXXX $XXXXX GA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30448   XXXXX $XXXXX GA Cleared C A C A C A C A C A Credit XXXXX Documentation for Recent Draws on HELOC is Missing XX/XX/XXXX XX/XX/XXXX  - Documentation evidencing the HELOC draw schedule for the prior XXXX months is missing.  ; XX/XX/XXXX  - Documentation evidencing the HELOC draw schedule for the prior XXXX months is missing.  Missing HELOC history for the last XX mos.;   XX/XX/XXXX XX/XX/XXXX  - Satisfactory XX month draw history provided, condition cleared. ; XX/XX/XXXX  - Audit reviewed Lenders response, however; please provide documentation evidencing the HELOC draw schedule for the prior XXXX months. Condition remains.; XX/XX/XXXX  - Cleared by mistake; XX/XX/XXXX  - Documentation evidencing the HELOC draw schedule for the prior XXXX months is missing.  ; XX/XX/XXXX  - Lender provided HELOC closure letter. Condition cleared.; XX/XX/XXXX  - Documentation evidencing the HELOC draw schedule for the prior XXXX months has been provided.  ; XX/XX/XXXX  - Documentation evidencing the HELOC draw schedule for the prior XXXX months is missing.  Missing HELOC history for the last XX mos.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30436   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply); XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30436   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.  ; XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - No forbearance requests or inquiries have been made; XX/XX/XXXX  - Change status of 'Servicing Comments are Missing' from Active to Open Rebuttal.; XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30464   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30464   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HDMA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30468   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  -FEMA declared XXX, with an incident end date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.FEMA declared XXX, with an incident end date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  -FEMA declared XXX, with an incident end date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30468   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - HMDA tape provided. No level X discrepancies noted. Condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30468   XXXXX $XXXXX CA Cleared D A D A D A C A C A Compliance XXXXX Security Instrument Indicator is Missing XX/XX/XXXX XX/XX/XXXX  - The security instrument indicator is Missing; XX/XX/XXXX  - Security instrument documents are missing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided mortgage.  Condition cleared.; XX/XX/XXXX  - The security instrument indicator is Present     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30468   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all sesrvicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: Please accept this attestation as evidence the borrower's have not inquired about nor requested forbearance relief due to covid XX after closing.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30469   XXXXX $XXXXX CA Cleared A A A A A A A A A A Credit XXXXX Liquid Reserves are less than Guidelines Required XX/XX/XXXX XX/XX/XXXX  - The liquid reserves of -XXXXX months or $-XXXXXX, are less than the Guidelines minimum required of XXXX or $XXXXXXX.;   XX/XX/XXXX XX/XX/XXXX  - The liquid reserves of XXXXXX months or $XXXXXXXX, is greater than or equal to the Guidelines minimum required of XXXX or $XXXXXXX.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30469   XXXXX $XXXXX CA Cleared A A A A A A A A A A Credit XXXXX Insufficient cash to close. XX/XX/XXXX XX/XX/XXXX  - Cash to close in the amount of XXXXXX is greater than the available asset amount of XXX.;   XX/XX/XXXX XX/XX/XXXX  - Sufficient cash to close is documented.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30469   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Qualifying DTI exceeds Guideline Maximum Allowable XX/XX/XXXX XX/XX/XXXX  - Qualifying DTI of XXXX exceeds guideline maximum of XXXX.; XX/XX/XXXX  - Documentation provided to support Qualifying DTI below XXXX.;   XX/XX/XXXX XX/XX/XXXX  - Qualifying DTI of XXXX exceeds guideline maximum of XXXX.; XX/XX/XXXX  - Documentation provided to support Qualifying DTI below XXXX.; XX/XX/XXXX  - Qualifying DTI of XXXX exceeds guideline maximum of XXXX.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30469   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.  FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30469   XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX Regulation §XXXXXX(e)(X)(vi) failure - The Qualified Mortgage calculated DTI is greater than XXXXX%. XX/XX/XXXX XX/XX/XXXX  - Regulation §XXXXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXXX is greater than XXXXX% (Total Income of XXXXXXX and Total Monthly Debt XXX and Future PITI XXXXXX); XX/XX/XXXX  - Regulation §XXXXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXXX is greater than XXXXX% (Total Income of XXXXXXX and Total Monthly Debt XXXXX and Future PITI XXXXXX);   XX/XX/XXXX XX/XX/XXXX  - Regulation §XXXXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXXX is not greater than XXXXX% (Total Income of XXXXXXX and Total Monthly Debt XXXXX and Future PITI XXXXXX); XX/XX/XXXX  - Regulation §XXXXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXXX is greater than XXXXX% (Total Income of XXXXXXX and Total Monthly Debt XXXXX and Future PITI XXXXXX); XX/XX/XXXX  - Regulation §XXXXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXX is not greater than XXXXX% (Total Income of XXX and Total Monthly Debt XXX and Future PITI XXXXXX); XX/XX/XXXX  - Regulation §XXXXXX(e)(X)(vi) - The Qualified Mortgage calculated DTI of XXXX is greater than XXXXX% (Total Income of XXXXXXX and Total Monthly Debt XXX and Future PITI XXXXXX)     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30469   XXXXX $XXXXX CA Cleared D A D A D A C A C A Credit XXXXX Transmittal Summary is Missing XX/XX/XXXX XX/XX/XXXX  - The transmittal summary is Missing;   XX/XX/XXXX XX/XX/XXXX  - Lender provided XXXX.  Condition cleared.; XX/XX/XXXX  - The transmittal summary is Present     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30469   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicier to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made. Thank you.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30469   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.; XX/XX/XXXX  - HMDA data tape not provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30493   XXXXX $XXXXX MA Cleared C A C A C A C A C A Credit XXXXX Housing history does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Housing history does not meet guidelines. Missing XX/XXXX Mortgage history for Primary residence and Subject property.;   XX/XX/XXXX XX/XX/XXXX  - No late PMT on MTG statements; XX/XX/XXXX  - Housing delinquency meets guidelines.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30493   XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditional may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30493   XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30501   XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply); XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30501   XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.  ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - No forbearance requests or inquiries have been made     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30515   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.; XX/XX/XXXX  - This property is in XXX with an end date of XX/XX/XXXX. Appraisal was completed on XX/XX/XXXX. No damage noted. For informational purposes.;   XX/XX/XXXX XX/XX/XXXX  - This property is in XXX with an end date of XX/XX/XXXX. Appraisal was completed on XX/XX/XXXX. No damage noted. For informational purposes.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30515   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30515   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additonal conditions may apply. ; XX/XX/XXXX  - No forbearance requests or inquiries have been made; XX/XX/XXXX  - Change status of 'Servicing Comments are Missing' from Active to Open Rebuttal.; XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30511   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  - Property is located in XXX.FEMA decalred XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX.FEMA decalred XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30511   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply); XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30511   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.  ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30280   XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared. ; XX/XX/XXXX  - Missing servicing comments are available.  ; XX/XX/XXXX  - XX/XX/XXXX: Please accept this statement as an attestation that borrower's have not inquired about nor requested forbearance due to COVID-19.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30280   XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30280   XXXXX $XXXXX IL Cleared D A D A D A C A C A Credit XXXXX Final Loan Application is Partial XX/XX/XXXX XX/XX/XXXX  - Final loan application in the file but not signed. ; XX/XX/XXXX  - Final Loan Application is Partial;   XX/XX/XXXX XX/XX/XXXX  - Lender provided Final XXXX. Condition cleared.; XX/XX/XXXX  - Final Loan Application is Present     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30236   XXXXX $XXXXX CA Cleared C A C A C A C A C A Property XXXXX Title Issues Present XX/XX/XXXX XX/XX/XXXX  - The following issues were noted:;   XX/XX/XXXX XX/XX/XXXX  - In error.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30236   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal is in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  -FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal is in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  -FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal is in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30236   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30236   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: Please accept this attestation that borrowers have not inquired about nor requested forbearance or relief related to COVID-19.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30256   XXXXX $XXXXX DC Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Conditions for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30256   XXXXX $XXXXX DC Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30420   XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job.  
OBX2021J30420   XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing:  
Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.

; 		  XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: no forbearance requests have been received at this time.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job.  
OBX2021J30420   XXXXX $XXXXX IL Cleared C A C A C A C A C A Credit XXXXX Housing history does not meet guidelines XX/XX/XXXX XX/XX/XXXX  - Housing history does not meet guidelines. Missing XX/XXXX and XX/XXXX mortgage history for departing residence.;   XX/XX/XXXX XX/XX/XXXX  - Audit reviewed lender's response and has determined the housing history meets guideline requirements.  Condition cleared.; XX/XX/XXXX  - Housing delinquency meets guidelines.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job.  
OBX2021J30374   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  -FEMA decalred XXX, with a release date of XX/XX/XXXX.  The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only. ;   XX/XX/XXXX XX/XX/XXXX  -FEMA decalred XXX, with a release date of XX/XX/XXXX.  The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only. ;     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30374   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Executed HELOC closure letter not provided. XX/XX/XXXX XX/XX/XXXX  - Missing executed documentation HELOC is closed to future draws: Missing HELOC closure letter from US Bank ending inXXXX.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided HELOC closure letter. Condition cleared.; XX/XX/XXXX  - HELOC closure documentation provided     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30374   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30374   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30462   XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30462   XXXXX $XXXXX CO Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA Data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30475   XXXXX $XXXXX TX Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.  FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  -  FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  -  FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30475   XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30475   XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30474   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Change severity of 'Property is located in XXX' from Material to Non-Material.; XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  -FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30474   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - No forbearance requests or inquiries have been made; XX/XX/XXXX  - Change status of 'Servicing Comments are Missing' from Active to Open Rebuttal.; XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30474   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HDMA Data Tape provided. Loan is pending HDMA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30490   XXXXX $XXXXX MA Acknowledged B B B B B B B B B B Compliance XXXXX Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance XX/XX/XXXX Incorrect rescission model used - RTC form model H-X used for Same Lender or Lender Affiliate Refinance   XX/XX/XXXX XX/XX/XXXX - Condition deemed non-material final grade will be a B. Waiver Client Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30490   XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30490   XXXXX $XXXXX MA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - XX/XX/XXXX: No forbearance requests or inquiries have been made; XX/XX/XXXX  - Missing servicing comments are available.       Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXX years on job ; Borrower has stable job time - Borrower has XXXXX years at job.  
OBX2021J30471   XXXXX $XXXXX SC Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30471   XXXXX $XXXXX SC Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assitance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30471   XXXXX $XXXXX SC Cleared C A C A C A C A C A Credit XXXXX Executed HELOC closure letter not provided. XX/XX/XXXX XX/XX/XXXX  - Missing executed documentation HELOC is closed to future draws: Missing closure letter for HELOC which is being paid off at closing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided HELOC closure letter. Condition cleared.; XX/XX/XXXX  - HELOC closure documentation provided     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30471   XXXXX $XXXXX SC Cleared D A D A D A C A C A Credit XXXXX Borrower Liabilities Verification Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Borrower liabilities verified indicator is Partial: Provide proof of disposition of property listed on the XXXX personal tax returns Schedule E for  .  This property was not listed on the Final XXXX. May be subject to further conditioning.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided the property profile showing the ownership in the    property, is held in the name of XXX.  Condition cleared. ; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide legal documentation brother is responsible for PITIA OR provide Legal documentation (I.e. copy of will and PITIA documentation) and include borrowers percentage of PITIA in debt (Provide updated XXXX/XXXX/AUS). Condition remains.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30471   XXXXX $XXXXX SC Cleared C A C A C A C A C A Compliance XXXXX ATR/QM Status is Pending XX/XX/XXXX XX/XX/XXXX  - ATR/QM Status is pending. Noted documentation is required per Appendix Q.  Missing evidence of proof of disposition of property listed on the XXXX personal tax returns Schedule E for  .  This property was not listed on the Final XXXX. May be subject to further conditioning. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided the property profile showing the ownership in the    property, is held in the name of XXX.  Condition cleared. ; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide legal documentation brother is responsible for PITIA OR provide Legal documentation (I.e. copy of will and PITIA documentation) and include borrowers percentage of PITIA in debt (Provide updated XXXX/XXXX/AUS). Condition remains.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30415   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30415   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30415   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Trust Documentation Missing or Incomplete XX/XX/XXXX XX/XX/XXXX  - Trust document is not properly executed or missing.  Unable to determine if signatures on note are accurate.  Cert of Trust is missing.; XX/XX/XXXX  - Cert of Trust is missing.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attorney letter for Certification of Trust.  Condition cleared.; XX/XX/XXXX  - Client provided trust document that was missing.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide executed (Signed and notarized COT (Certificate of Trust)). Condition remains.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Missing executed and notarized COT (Certification of Trust). Condition remains.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years  
OBX2021J30438   XXXXX $XXXXX TX Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  -  FEMA declared XXX, with a release date of XX/XX/XXXX.  The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  - The appraisal in file is dated XX/XX/XXXX and shows no damage.  Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30438   XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30438   XXXXX $XXXXX TX Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30438   XXXXX $XXXXX TX Cleared D A D A D A C A C A Credit XXXXX Borrower Liabilities Verification Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Borrower liabilities verified indicator is Partial: Missing proof prior home at XXXXX NE XXXnd Lane was sold. Purhase agreement is in file but need proof actually sold.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided final signed settlement statement for sale of property.  Condition cleared.; XX/XX/XXXX  - Audit reviewed Lenders response, however; Please provide Final CD or settlement Signed and dated or stamped by title company. Note: e-signed is not Final document.  Condition remains.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30465   XXXXX $XXXXX NV Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.    
OBX2021J30465   XXXXX $XXXXX NV Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.    
OBX2021J30309   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection;   XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX. FEMA declared XXXX county in a disaster area (Wildfires) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job.  
OBX2021J30309   XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX TILA Right of Rescission Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; 		  XX/XX/XXXX XX/XX/XXXX  - This loan passed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is not before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; XX/XX/XXXX  - Lender provided Funding CD. Condition cleared.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job.  
OBX2021J30309   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrower have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job.  
OBX2021J30309   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job.  
OBX2021J30426   XXXXX $XXXXX CA Cleared C A C A C A C A C A Credit XXXXX Property is located in XXX XX/XX/XXXX XX/XX/XXXX  - Property is located in XXX with no post disaster inpection.  FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  -  FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.;   XX/XX/XXXX XX/XX/XXXX  -  FEMA declared XXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; XX/XX/XXXX  - Post disaster inspection confirms no property damage     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30426   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30426   XXXXX $XXXXX CA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30426   XXXXX $XXXXX CA Cleared C A C A C A C A C A Compliance XXXXX TILA Right of Rescission Test XX/XX/XXXX XX/XX/XXXX  - This loan failed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; 		  XX/XX/XXXX XX/XX/XXXX  - This loan passed the TILA right of rescission test.Closed-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) ), Open-end ( XX CFR §XXXXXX(a)(X) , transferred from  XX CFR §XXXXX(a)(X) )The funding date is not before the third business day following consummation.

The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXXXXX or §XXXXXX, or delivery of all material disclosures, whichever occurs last.; XX/XX/XXXX  - Change severity of 'TILA Right of Rescission Test' from Material to Non-Material.; XX/XX/XXXX  - Lender re-opened recession and provided updated RTC. Condition cleared.		     Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30505   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HDMA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.; XX/XX/XXXX  - HMDA data tape provided.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30505   XXXXX $XXXXX AZ Cleared C A C A C A C A C A Credit XXXXX Executed HELOC closure letter not provided. XX/XX/XXXX XX/XX/XXXX  - Missing executed documentation HELOC is closed to future draws: Missing HELOC closure letter for HELOC that was paid off with this transaction. ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided HELOC closure letter. Condition cleared.; XX/XX/XXXX  - HELOC closure documentation provided     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30505   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX.  
OBX2021J30412   XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30412   XXXXX $XXXXX WA Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: The Lender has verified, forbearance has not been requested from the borrowers for this loan, condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30416   XXXXX $XXXXX AZ Acknowledged C B C B C B C B C B Credit XXXXX Hazard Insurance Indicator is Partial XX/XX/XXXX XX/XX/XXXX  - Hazard insurance indicator is Partial. The effective date of the policy is XX/XX/XXXX, which is the disbursement date. The Note date is XX/XX/XXXX.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  Exception granted for properties located in AZ when the effective date of the insurance is after the closing date but on or prior to the disbursement date. This is deemed non-material, final grade will be a "B" for all agencies.; XX/XX/XXXX  - Change status of 'Hazard Insurance Indicator is Partial' from Active to Acknowledged by Client.; XX/XX/XXXX  - Change severity of 'Hazard Insurance Indicator is Partial' from Material to Non-Material. Waiver Client Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30416   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.  ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30416   XXXXX $XXXXX AZ Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided.  Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete.  (Additional conditions may apply); XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence fiem to complete. ;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years  
OBX2021J30232   XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA data tape not provided.; XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - HMDA data tape provided.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30232   XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply. ; XX/XX/XXXX  - Servicing comments are missing.  ;   XX/XX/XXXX XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXXX or $XXXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30477   XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ;   XX/XX/XXXX XX/XX/XXXX  - HMDA data tape provided.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30477   XXXXX $XXXXX IL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing: Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing.  Additional conditions may apply.

; 		  XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.     Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XXXX is less than the Guideline DTI of XXXX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XXXX is less than Guideline LTV of XXXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXXX is less than Guideline CLTV of XXXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has more than XXX years at current residence - Borrower at current residence XXXXX years ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30491   XXXXX $XXXXX FL Cleared D A D A D A D A D A Credit XXXXX Servicing Comments are Missing XX/XX/XXXX XX/XX/XXXX  - Servicing comments are missing.  ; XX/XX/XXXX  - Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-19 relief assistance after closing. Additional conditions may apply.;   XX/XX/XXXX XX/XX/XXXX  - Lender provided attestation borrower has not inquired for any COVID relief. Condition cleared.; XX/XX/XXXX  - Missing servicing comments are available.       Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  
OBX2021J30491   XXXXX $XXXXX FL Cleared D A D A D A D A D A Credit XXXXX HMDA Data Tape Not Provided XX/XX/XXXX XX/XX/XXXX  - HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.; XX/XX/XXXX  - HMDA data tape not provided.;   XX/XX/XXXX XX/XX/XXXX  - XX/XX/XXXX:  HMDA review completed, no Level X findings noted, condition cleared.;
; XX/XX/XXXX  - HMDA data tape provided.		     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.  ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXXXXX months or $XXXXXXXX  are greater than the Guideline Minimum of XXX or $XXXXXXX. ; Borrower X has significant job time - Borrower has XXXXXX years on job ; Borrower has stable job time - Borrower has XXXXXX years at job. ; Borrower Years On Job Exceeds XXXX years - Borrower Years On Job Exceeds XXXX years  

 

 

Exhibit 99.24

 

Loan Number Pool ID Alternate Loan Number Original Balance Initial Credit Grade S&P Initial Credit Grade Fitch Initial Credit Grade Moodys Initial Credit Grade KBRA Initial Credit Grade DBRS Initial Compliance Grade S&P Initial Compliance Grade  Fitch Initial Compliance Grade Moodys Initial Compliance Grade KBRA Initial Compliance Grade DBRS Initial Valuation Grade S&P Initial Valuation Grade Fitch Initial Valuation Grade Moodys Initial Valuation Grade KBRA Initial Valuation Grade DBRS Initial Overall Grade S&P Initial Overall Grade Fitch Initial Overall Grade Moodys Initial Overall Grade KBRA Initial Overall Grade DBRS Final Credit  Grade S&P Final Credit  Grade Fitch Final Credit Grade Moodys Final Credit Grade KBRA Final Credit Grade DBRS Final Compliance Grade S&P Final Compliance Grade Fitch Final Compliance Grade Moodys Final Compliance Grade KBRA Final Compliance Grade DBRS Final Valuation Grade S&P Final Valuation Grade Fitch Final Valuation Grade Moodys Final Valuation Grade KBRA Final Valuation Grade DBRS Final Overall Grade S&P Final Overall Grade Fitch Final Overall Grade Moodys Final Overall Grade KBRA Final Overall Grade DBRS
OBX2021J30278 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30105 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30411 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30252 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30199 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30203 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30027 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30028 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30001 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30192 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30262 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30390 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30003 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30313 XXXX XXXX $XXX.XX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30265 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30082 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A B B B B B A A A A A B B B B B
OBX2021J30007 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30356 XXXX XXXX $XXX.XX D D D D D D D D C C C C C C C D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30002 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30109 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30100 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30029 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30195 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30021 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30269 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30032 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30292 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30020 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30026 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30054 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30075 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30111 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30117 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30119 XXXX XXXX $XXX.XX D D D D D A A A A A C C C C C D D D D D B B B B B A A A A A A A A A A B B B B B
OBX2021J30098 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30253 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30200 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30206 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30354 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30327 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30283 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A B B B B B A A A A A B B B B B
OBX2021J30072 XXXX XXXX $XXX.XX D D D D D C C C C C D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30076 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30152 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30022 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A B B B B B A A A A A B B B B B
OBX2021J30033 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30025 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30039 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30320 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30053 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30142 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30141 XXXX XXXX $XXX.XX D D D D D A A A A A D D D C C D D D D D A A A A A A A A A A B B B B B B B B B B
OBX2021J30155 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30251 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30339 XXXX XXXX $XXX.XX D D D D D D D D C C A A A A A D D D D D A A A A A B B B B B A A A A A B B B B B
OBX2021J30224 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30068 XXXX XXXX $XXX.XX D D D D D D D D C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30289 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30099 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A B B B B B A A A A A B B B B B
OBX2021J30249 XXXX XXXX $XXX.XX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30188 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30209 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30245 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30301 XXXX XXXX $XXX.XX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30227 XXXX XXXX $XXX.XX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30444 XXXX XXXX $XXX.XX D D D D D D D D C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30326 XXXX XXXX $XXX.XX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30184 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30005 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30371 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30319 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30408 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30259 XXXX XXXX $XXX.XX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30401 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30364 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30305 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30386 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30008 XXXX XXXX $XXX.XX D D D D D D D D C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30169 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30120 XXXX XXXX $XXX.XX D D D D D A A A A A C C C C C D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30225 XXXX XXXX $XXX.XX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30138 XXXX XXXX $XXX.XX D D D D D A A A A A C C C C C D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30453 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30310 XXXX XXXX $XXX.XX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30410 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30284 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30257 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30234 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30384 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30299 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30330 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30228 XXXX XXXX $XXX.XX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30396 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30385 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30353 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30449 XXXX XXXX $XXX.XX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30171 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30080 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30334 XXXX XXXX $XXX.XX D D D D D D D D D D C C C C C D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30110 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A B B B B B A A A A A B B B B B
OBX2021J30266 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30058 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30226 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30241 XXXX XXXX $XXX.XX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30208 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30270 XXXX XXXX $XXX.XX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30282 XXXX XXXX $XXX.XX D D D D D C C C C C C C C C C D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30288 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30263 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30211 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30508 XXXX XXXX $XXX.XX D D D D D A A A A A D D D D D D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30057 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30123 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30156 XXXX XXXX $XXX.XX D D D D D D D D C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30445 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A B B B B B A A A A A B B B B B
OBX2021J30031 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30315 XXXX XXXX $XXX.XX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
OBX2021J30237 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30314 XXXX XXXX $XXX.XX D D D D D C C C C C C C C C C D D D D D A A A A A B B B B B A A A A A B B B B B
OBX2021J30204 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30023 XXXX XXXX $XXX.XX D D D D D A A A A A C C C C C D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30129 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30177 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30329 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30083 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30335 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D B B B B B A A A A A A A A A A B B B B B
OBX2021J30414 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30470 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30452 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30530 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30503 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30504 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30502 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D B B B B B A A A A A A A A A A B B B B B
OBX2021J30512 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D B B B B B A A A A A A A A A A B B B B B
OBX2021J30523 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30518 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30528 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30351 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30473 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30423 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30522 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30480 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30345 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30424 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30344 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30298 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30481 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30346 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30343 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30352 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30355 XXXX XXXX $XXX.XX D D D D D D D D C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30383 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30400 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30409 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30437 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30500 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30448 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30436 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30464 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30468 XXXX XXXX $XXX.XX D D D D D D D D C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30469 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30493 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30501 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30515 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30511 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30280 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30236 XXXX XXXX $XXX.XX D D D D D A A A A A C C C C C D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30256 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30420 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30374 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30462 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30475 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30474 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30490 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A B B B B B A A A A A B B B B B
OBX2021J30471 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30415 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30438 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30465 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30309 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30426 XXXX XXXX $XXX.XX D D D D D C C C C C A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30505 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30412 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30416 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D B B B B B A A A A A A A A A A B B B B B
OBX2021J30232 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30477 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
OBX2021J30491 XXXX XXXX $XXX.XX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A

 

 

Exhibit 99.25

 

  Origination Values Automated Valuation Model Desk Review Second Desk Review Field Review Second Field Review Full Appraisal Review Exterior Only Appraisal Review Broker Price Opinion Other AUS Information
Loan Number Pool ID Alternate Loan Number Original Loan Amount Sales Price Value for LTV LTV Appraised Date Appraised Value Review Type Secondary Appraised Date Secondary Appraised Value Secondary Review Type Report Date Value Variance Amount Variance % Report Date Value Variance Amount Variance %  Report Date  Value Variance Amount Variance % Report Date Value Variance Amount Variance % Report Date Value Variance Amount  Variance % Report Date Value Variance Amount Variance % Report Date  Value Variance Amount Variance % Report Date  Value  Variance Amount Variance %  Valuation Type Report Date Value Variance Amount Variance % CU Score R&W Eligible  
OBX2021J30002 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30022 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.2 Eligible  
OBX2021J30027 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.8 Not Eligible  
OBX2021J30031 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX%      
OBX2021J30029 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX%      
OBX2021J30032 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.2 Eligible  
OBX2021J30033 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX%      
OBX2021J30028 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Eligible  
OBX2021J30057 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.6 Not Eligible  
OBX2021J30001 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.5 Eligible  
OBX2021J30117 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.8 Not Eligible  
OBX2021J30155 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.9 Not Eligible  
OBX2021J30119 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.1 Eligible  
OBX2021J30020 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.7 Not Eligible  
OBX2021J30039 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.2 Eligible  
OBX2021J30058 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.1 Not Eligible  
OBX2021J30021 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.1 Eligible  
OBX2021J30003 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.4 Eligible  
OBX2021J30026 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.2 Eligible  
OBX2021J30082 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 4.2 Not Eligible  
OBX2021J30076 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.7 Not Eligible  
OBX2021J30152 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.1 Eligible  
OBX2021J30141 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.5 Eligible  
OBX2021J30075 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.2 Eligible  
OBX2021J30224 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30110 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.4 Not Eligible  
OBX2021J30120 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.4 Eligible  
OBX2021J30100 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.5 Eligible  
OBX2021J30072 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3 Not Eligible  
OBX2021J30109 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.3 Eligible  
OBX2021J30249 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.3 Eligible  
OBX2021J30241 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Eligible  
OBX2021J30195 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX Form 1025 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX%      
OBX2021J30227 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30054 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX%      
OBX2021J30111 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.3 Not Eligible  
OBX2021J30083 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3 Not Eligible  
OBX2021J30129 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30068 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.2 Eligible  
OBX2021J30098 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.3 Not Eligible  
OBX2021J30123 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30270 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 4.6 Not Eligible  
OBX2021J30005 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 4.4 Not Eligible  
OBX2021J30203 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.7 Not Eligible  
OBX2021J30007 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.4 Eligible  
OBX2021J30226 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30099 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.4 Not Eligible  
OBX2021J30237 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 5 Not Eligible  
OBX2021J30289 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3 Not Eligible  
OBX2021J30177 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.8 Not Eligible  
OBX2021J30156 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 5 Not Eligible  
OBX2021J30284 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 5 Not Eligible  
OBX2021J30299 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.1 Eligible  
OBX2021J30228 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.5 Not Eligible  
OBX2021J30282 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.4 Not Eligible  
OBX2021J30138 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30225 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.2 Eligible  
OBX2021J30356 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 4.1 Not Eligible  
OBX2021J30169 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.5 Eligible  
OBX2021J30263 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30390 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.5 Eligible  
OBX2021J30329 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.2 Eligible  
OBX2021J30301 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 5 Not Eligible  
OBX2021J30334 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.8 Not Eligible  
OBX2021J30313 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30314 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30008 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30188 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3 Not Eligible  
OBX2021J30262 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Eligible  
OBX2021J30171 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX%      
OBX2021J30142 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 5 Not Eligible  
OBX2021J30023 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.9 Eligible  
OBX2021J30053 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30339 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.2 Eligible  
OBX2021J30234 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 4 Not Eligible  
OBX2021J30449 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.6 Eligible  
OBX2021J30386 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.1 Eligible  
OBX2021J30327 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Eligible  
OBX2021J30408 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.6 Not Eligible  
OBX2021J30292 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.6 Not Eligible  
OBX2021J30278 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.1 Not Eligible  
OBX2021J30320 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30445 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.3 Eligible  
OBX2021J30252 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30206 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3 Not Eligible  
OBX2021J30265 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.4 Eligible  
OBX2021J30310 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.4 Eligible  
OBX2021J30396 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.3 Eligible  
OBX2021J30259 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.2 Eligible  
OBX2021J30353 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.3 Not Eligible  
OBX2021J30385 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.3 Eligible  
OBX2021J30453 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.3 Eligible  
OBX2021J30411 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Eligible  
OBX2021J30253 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30283 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.2 Not Eligible  
OBX2021J30384 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.1 Eligible  
OBX2021J30364 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX%      
OBX2021J30200 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 4.3 Not Eligible  
OBX2021J30211 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.3 Eligible  
OBX2021J30266 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30199 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30080 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.2 Not Eligible  
OBX2021J30371 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Eligible  
OBX2021J30251 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30508 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 4.6 Not Eligible  
OBX2021J30025 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30330 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30444 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX%      
OBX2021J30410 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.4 Eligible  
OBX2021J30354 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.4 Eligible  
OBX2021J30192 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3 Not Eligible  
OBX2021J30208 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30105 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.5 Eligible  
OBX2021J30288 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.2 Eligible  
OBX2021J30315 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3 Not Eligible  
OBX2021J30184 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 5 Not Eligible  
OBX2021J30245 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3 Not Eligible  
OBX2021J30209 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 5 Not Eligible  
OBX2021J30257 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.1 Eligible  
OBX2021J30335 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.1 Eligible  
OBX2021J30326 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.1 Eligible  
OBX2021J30204 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.1 Eligible  
OBX2021J30305 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30401 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3 Not Eligible  
OBX2021J30269 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Eligible  
OBX2021J30319 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.2 Eligible  
OBX2021J30232 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.6    
OBX2021J30236 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 5 Eligible  
OBX2021J30280 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Not Eligible  
OBX2021J30298 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.7    
OBX2021J30309 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30343 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.3    
OBX2021J30344 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX Form 1073 XX/XX/XXXX $XXX Form 1073     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.4 Not Eligible  
OBX2021J30352 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.5    
OBX2021J30355 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.7    
OBX2021J30374 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.2    
OBX2021J30383 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30412 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.6 Eligible  
OBX2021J30415 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.3 Eligible  
OBX2021J30416 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Not Eligible  
OBX2021J30423 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.2 Eligible  
OBX2021J30437 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.3 Eligible  
OBX2021J30438 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.2    
OBX2021J30464 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Not Eligible  
OBX2021J30480 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Not Eligible  
OBX2021J30522 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3 Eligible  
OBX2021J30469 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX%      
OBX2021J30462 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Not Eligible  
OBX2021J30452 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.7 Eligible  
OBX2021J30426 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.8 Eligible  
OBX2021J30345 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.4    
OBX2021J30346 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.6 Not Eligible  
OBX2021J30493 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX Form 1073 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.5 Not Eligible  
OBX2021J30512 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Eligible  
OBX2021J30530 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Eligible  
OBX2021J30448 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.6    
OBX2021J30503 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Eligible  
OBX2021J30502 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Eligible  
OBX2021J30468 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.7 Eligible  
OBX2021J30424 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.9 Not Eligible  
OBX2021J30505 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.7 Eligible  
OBX2021J30351 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.3 Not Eligible  
OBX2021J30491 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.6 Eligible  
OBX2021J30473 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.5 Eligible  
OBX2021J30471 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.1    
OBX2021J30500 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX Form 1073 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.5 Not Eligible  
OBX2021J30400 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.5    
OBX2021J30518 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.4 Not Eligible  
OBX2021J30465 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.3 Not Eligible  
OBX2021J30409 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.6 Not Eligible  
OBX2021J30511 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.6 Eligible  
OBX2021J30475 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.1 Not Eligible  
OBX2021J30436 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2 Not Eligible  
OBX2021J30523 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.5 Eligible  
OBX2021J30481 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX%      
OBX2021J30504 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Not Eligible  
OBX2021J30414 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.3 Eligible  
OBX2021J30470 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.9 Eligible  
OBX2021J30477 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.6 Eligible  
OBX2021J30256 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 4.3    
OBX2021J30501 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Eligible  
OBX2021J30420 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.2 Eligible  
OBX2021J30474 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1 Eligible  
OBX2021J30528 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 1.6 Eligible  
OBX2021J30490 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX       $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 3.2 Eligible  
OBX2021J30515 XXX XXX $XXXXXX $XXX $XXX XXX% XX/XX/XXXX $XXX URAR Form 1004 Form 70 XX/XX/XXXX $XXX URAR Form 1004 Form 70     $XXX XXX% XX/XX/XXXX $XXX $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%     $XXX XXX%       $XXX XXX% 2.6 Not Eligible  

 

 

Exhibit 99.26

 

 

 

EXECUTIVE SUMMARY

 

DESCRIPTION OF SERVICES

(1) Type of assets that were reviewed.

AMC Diligence, LLC (“AMC”) performed the due diligence services described below (the “Review”) on residential mortgage loans originated by multiple correspondent lenders and acquired directly on a mini-bulk basis by Onslow Bay Financial LLC (the “Client”). AMC performed the Review either (i) directly for Client on mortgage loan files provided by Client to AMC, or (ii) for third parties on mortgage loan files provided by such parties to AMC with results of such Review conveyed to the Client via reliance letter. The Review (including the Review related to reliance letter loans) was conducted April 2021 through August 2021 on a mortgage loan with origination dates February 2021 through July 2021.

 

(2) Sample size of the assets reviewed.

The total population of the Review covered thirty-one (31) mortgage loans totaling an aggregate original principal balance of approximately $28.759 million.

 

(3) Determination of the sample size and computation.

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified above.

 

(4) Quality or integrity of information or data about the assets: review and methodology.

AMC compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all loans during the Review) and relevant for the Scope in question, included the following data fields:

 

# of Units Initial Rate Lock Date Original LTV
Amortization Term Investor: Qualifying Total Debt Ratio Property Type
Amortization Type Lien Position Purpose
Borrower First Name Note Date Refi Purpose
Borrower FTHB Occupancy Representative FICO
Borrower Last Name Original CLTV State
City Original Interest Rate Street
Decision System Original Loan Amount Zip

 

(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.

 

CREDIT SCOPE (31 Mortgage Loans):

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

 

Credit Application: For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower’s employment history.

 

Credit Report: AMC’s review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower’s credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, and (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate.

 

1 | Page

 

 

 

Employment and Income: AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn’t fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) bank statements.

 

Asset Review: AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit (“VOD(s)”), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

 

Hazard/Flood Insurance/Taxes: A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender’s name and “its successors and assigns,”, (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a “Life of Loan” certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

 

DU/LP Review: When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

 

Occupancy Review: AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers’ application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

 

Guideline Review: During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

 

Fraud Review: AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

 

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower’s address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower’s profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

 

Title Review: AMC’s review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the

 

2 | Page

 

 

 

borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

 

Additional Review of Mortgage Loan File: AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

 

(6) Value of collateral securing the assets: review and methodology.

AMC’s review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC’s review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, and (viii) made on an “as is” basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

 

With regard to the use of comparable properties, AMC’s review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines, (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

 

Other aspects of AMC’s review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal  and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same, (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

 

(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.

 

COMPLIANCE SCOPE (31 Mortgage Loans)

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

 

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or

 

3 | Page

 

 

 

opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loan’s collateral that has been reviewed by AMC.

 

AMC reviewed each mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

 

FOR APPLICATION DATES BEFORE JANUARY 10, 2014

(I) Federal Truth in Lending Act (“TILA”), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

a)Rescission (§1026.23):
i)failure to provide the right of rescission notice;
ii)failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);
iii)errors in the right of rescission notice;
iv)failure to provide the correct form of right of rescission notice;
v)failure to provide the three (3) business day rescission period; and
vi)any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;
b)TIL Disclosure (§§1026.17, 18 and 19) as applicable for loans with application dates prior to October 3, 2015:
i)review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);
ii)proper execution by all required parties;
iii)principal and interest calculations, and proper completion of the interest rate and payment summary; and
iv)timing of initial and re-disclosed TIL(s);
c)Tolerances (§§1026.18, 22 and 23):
i)inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and
ii)inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge;
d)High-cost Mortgage (§§1026.31, 32 and 33):
i)points and fees threshold test;
ii)APR threshold test;
iii)prepayment penalty test; and
iv)compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage;
e)Higher-priced Mortgage Loan (§1026.35):
i)APR threshold test; and
ii)compliance with the escrow account and appraisal requirements;

 

(II) Federal Real Estate Settlement Procedures Act (“RESPA”), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:

a)Good Faith Estimate (GFE) (§1024.7) as applicable for loans with application dates prior to October 3, 2015:
i)confirm the presence of the current GFE form in effect at the time of origination;
ii)verify GFE was provided to the borrower(s) within three (3) business days of application;
iii)verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

 

4 | Page

 

 

iv)determine whether a valid and properly documented changed circumstance accompanies any changes to loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and
v)confirm the presence of a settlement service provider list, as applicable.
b)Final HUD-1/A Settlement Statement (HUD) (§1024.8) as applicable for loans with application dates prior to October 3, 2015:
i)confirm current applicable HUD form was provided;
ii)determination that the loan file contains the final HUD;
iii)escrow deposit on the final HUD matches the initial escrow statement amount; and
iv)verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.
c)GFE and Final HUD Comparison (§1024.7) as applicable for loans with application dates prior to October 3, 2015:
i)review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;
ii)confirm loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and loan documents; and
iii)review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.
d)Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):
i)confirm the presence of the Servicing Disclosure Statement form in the loan file;
ii)verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;
iii)confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower;
iv)confirm the Special Information Booklet was provided within three (3) business days of application;
v)confirm the presence of the Affiliated Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements;
vi)confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;
vii)confirm the Affiliated Business Arrangement Disclosure is executed; and
viii)confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

(III) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;

 

(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to “high-cost” loans, “covered” loans, “higher-priced” loans, “home” loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;

 

(V) Federal and state specific late charge and prepayment penalty provisions;

 

(VI) Document Review

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

 

5 | Page

 

 

 

 

FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by AMC. Testing during this period included all items as referenced in the FOR APPLICATION DATES BEFORE JANUARY 10, 2014 section above plus:

 

(VII) Federal Truth in Lending Act (“TILA”), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:

a)With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):
i)review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;
ii)review relevant document to determine if there was dual compensation; and
iii)review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.
(1)Note: Where available, AMC reviewed the relevant documents in the loan file and, as necessary, attempted to obtain the loan originator compensation agreement and/or governing policies and procedures of the loan originator. In the absence of the loan originator compensation agreement and/or governing policies and procedures, AMC’s review was limited to formal general statements of entity compliance provided by the loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;
b)Homeownership counseling (§1026.36):
i)determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature;
c)Mandatory Arbitration Clauses (§1026.36):
i)determine if the terms of the loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction;
d)Prohibition on Financing Credit Insurance (§1026.36):
i)determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance; and
e)Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):
i)review for presence of loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit application, note or loan contract, security instrument, Loan Estimate and Closing Disclosure; and
ii)verify the data against the NMLSR database, as available.

 

(VIII) Federal Real Estate Settlement Procedures Act (“RESPA”), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:

a)Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):
i)confirm that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and
ii)confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

 

(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank”) amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:

a)The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));
b)Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));
c)Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and
d)Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

 

6 | Page

 

 

 

AMC reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan’s originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the loan’s status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator’s loan designation. Additionally, AMC notes if an originator loan designation was not provided.

 

Qualified Mortgage

With respect to QM (Safe Harbor and Higher-priced) designated loans, AMC reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the “points and fees” exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

 

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, AMC reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

 

For each QM designated loan that satisfied the applicable requirements enumerated above, AMC then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan’s actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

 

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

 

For each QM designated loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

 

General Ability to Repay

AMC reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator’s determination of the ability to repay.

 

Note: for loans designated as QM – agency eligible, AMC will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

 

AMC reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities (“Authorities”). AMC does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. AMC’s review is based on information

 

7 | Page

 

 

 

contained in the loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

 

(X) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:

a)Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):
i)timing and content of the right to receive copy of appraisal disclosure;
ii)charging of a fee for a copy of the appraisal or other written valuation;
iii)timing of creditor providing a copy of each appraisal or other written valuation;
iv)with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

 

(XI) FIRREA Review

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate. 

 

FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by AMC. Testing during this period included all items as referenced in the FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10. 2014 sections above plus:

 

With regard to TILA-RESPA Integrated Disclosure (“TRID”) testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and (ii) outside counsel’s interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau (“CFPB”) which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC’s suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

 

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

 

 

8 | Page

 

 

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

 

(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):

a)Loan Estimate (LE) (§§1026.19 and 37):
i)confirm the presence of LE for applications on or after October 3, 2015;
ii)confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;
iii)confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;
iv)confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;
v)confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;
vi)confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;
vii)confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);
viii)confirm borrower received LE not later than four (4) business days prior to consummation; and
ix)confirm LE was not provided to the borrower on or after the date of the CD.
b)Closing Disclosure (CD) (§§1026.19 and 38):
i)confirm the presence of CD for applications on or after October 3, 2015;
ii)confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;
iii)confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;
iv)confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;
v)identify tolerance violations based on the charges disclosed on the initial and interim LE’s, initial CD, and reflected on the final CD;
vi)with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and
vii)with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group (“SFIG”) has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)
c)Your Home Loan Toolkit (§1026.19):
i)confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and
ii)confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

 

9 | Page

 

 

 

(XIII) Document Review

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

 

DATA COLLECTION

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

 

(8) Other: review and methodology.

 

Data Integrity Review: AMC compared data fields on the securitization tape provided by the Client to the data found in the actual file as captured by AMC.

 

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC’s initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

 

SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed in the Form ABS Due Diligence-15E.

 

COMPLIANCE RESULTS SUMMARY

Twenty-seven mortgage loans reviewed by AMC have a Compliance grade of “A”.

 

Compliance Loan Grades
NRSRO Grade # of Loans % of Loans
A 27 87.10%
B 4 12.90%
C 0 0.00%
D 0 0.00%
Total 31 100.00%

 

CREDIT RESULTS SUMMARY

Twenty-nine mortgage loans reviewed by AMC have a Credit grade of “A”.

 

Credit Loan Grades
NRSRO Grade # of Loans % of Loans
A 29 93.55%
B 2 6.45%
C 0 0.00%
D 0 0.00%
Total 31 100.00%

 

 

10 | Page

 

 

PROPERTY/VALUATION RESULTS SUMMARY

 

All thirty-one mortgage loans reviewed by AMC have a Property grade of “A”.

 

Property Loan Grades
NRSRO Grade # of Loans % of Loans
A 31 100.00%
B 0 0.00%
C 0 0.00%
D 0 0.00%
Total 31 100.00%

 

OVERALL REVIEW RESULTS SUMMARY

Twenty-six mortgage loans reviewed by AMC have a Overall grade of “A”.

 

Overall Loan Grades
NRSRO Grade # of Loans % of Loans
A 26 83.87%
B 5 16.13%
C 0 0.00%
D 0 0.00%
Total 31 100.00%

 

EXCEPTION CATEGORY SUMMARY

The table below summarizes the individual exceptions which carried an associated “B”, “C”, or “D” level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of “B”, a Credit Grade of “A”, and a Property Grade of “A” would receive an overall Loan Grade of “B”).

 

Exception Type Final Exception Rating Exception Category Total
Compliance B ATR/QM Defect 2
TRID Defect 2
ATR/QM 1
TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 1
Total Compliance Grade (B) Exceptions: 6
Total Compliance Exceptions: 6
Credit B Credit 1
Title 1
Guideline 1
Total Credit Grade (B) Exceptions: 3
Total Credit Exceptions: 3
Grand Total: 9

 

 

11 | Page

 

 

TAPE INTEGRITY REVIEW RESULTS SUMMARY

 

Of the thirty-one (31) mortgage loans reviewed, twenty-four (24) loans had sixty-three (63) different tape discrepancies across fourteen (14) data fields.

 

Field Label Loans With Discrepancy Total Times Compared % Variance # Of Loans
# of Units 0 31 0.00% 31
Amortization Term 0 31 0.00% 31
Amortization Type 0 31 0.00% 31
Borrower First Name 0 31 0.00% 31
Borrower FTHB 1 31 3.23% 31
Borrower Last Name 0 31 0.00% 31
City 2 31 6.45% 31
Decision System 10 17 58.82% 31
Initial Rate Lock Date 0 3 0.00% 31
Investor: Qualifying Total Debt Ratio 10 31 32.26% 31
Lien Position 0 31 0.00% 31
Note Date 10 31 32.26% 31
Occupancy 0 31 0.00% 31
Original CLTV 6 31 19.35% 31
Original Interest Rate 1 31 3.23% 31
Original Loan Amount 2 31 6.45% 31
Original LTV 6 31 19.35% 31
Property Type 3 31 9.68% 31
Purpose 0 31 0.00% 31
Refi Purpose 4 15 26.67% 31
Representative FICO 4 31 12.90% 31
State 0 31 0.00% 31
Street 2 31 6.45% 31
Zip 2 31 6.45% 31
Total 63 686 9.18% 31

 

ADDITIONAL LOAN POPULATION SUMMARY (some totals may not add due to rounding)

Amortization Type Loan Count % of Loans Original Balance % of Balance
Fixed 31 100.00% $28,758,871.00 100.00%
Total 31 100.00% $28,758,871.00 100.00%
         
Lien Position Loan Count % of Loans Original Balance % of Balance
1 31 100.00% $28,758,871.00 100.00%
Total 31 100.00% $28,758,871.00 100.00%

 

12 | Page

 

 

Loan Purpose Loan Count % of Loans Original Balance % of Balance
Cash Out: Home Improvement/Renovation 1 3.23% $650,000.00 2.26%
Cash Out: Other/Multi-purpose/Unknown Purpose 5 16.13% $3,985,750.00 13.86%
First Time Home Purchase 1 3.23% $840,000.00 2.92%
Other-than-first-time Home Purchase 15 48.39% $14,784,492.00 51.41%
Rate/Term Refinance - Borrower Initiated 9 29.03% $8,498,629.00 29.55%
Total 31 100.00% $28,758,871.00 100.00%
         
Original Term Loan Count % of Loans Original Balance % of Balance
241-360 Months 31 100.00% $28,758,871.00 100.00%
Total 31 100.00% $28,758,871.00 100.00%
         
Property Type Loan Count % of Loans Original Balance % of Balance
Single Family Detached 20 64.52% $18,088,671.00 62.90%
Condo, High Rise 1 3.23% $784,000.00 2.73%
PUD 10 32.26% $9,886,200.00 34.38%
Total 31 100.00% $28,758,871.00 100.00%
         
Occupancy Loan Count % of Loans Original Balance % of Balance
Primary 31 100.00% $28,758,871.00 100.00%
Total 31 100.00% $28,758,871.00 100.00%
         
Originator Loan Designation Loan Count % of Loans Original Balance % of Balance
Safe Harbor QM (Q-43) 31 100.00% $28,758,871.00 100.00%
Total 31 100.00% $28,758,871.00 100.00%
         
TPR Loan Designation Loan Count % of Loans Original Balance % of Balance
Safe Harbor QM (Q-43) 31 100.00% $28,758,871.00 100.00%
Total 31 100.00% $28,758,871.00 100.00%

  

 

 

13 | Page

Exhibit 99.27

 

 
Rating Agency Grades
Run Date - 9/15/2021 7:14:29 PM
LOAN INFORMATION INITIAL CREDIT LOAN GRADES INITIAL COMPLIANCE LOAN GRADES INITIAL PROPERTY LOAN GRADES INITIAL OVERALL LOAN GRADES FINAL CREDIT LOAN GRADES FINAL COMPLIANCE LOAN GRADES FINAL PROPERTY LOAN GRADES FINAL OVERALL LOAN GRADES
AMC Loan ID Customer Loan ID Seller Loan ID Redacted Loan ID Investor Loan Number Deal Number Original Loan Amount DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar DBRS Fitch Kroll Moody's S&P Morningstar
[redacted] [redacted] [redacted] OBX2021J30113       B B B B B   A A A A A   A A A A A   B B B B B   B B B B B   A A A A A   A A A A A   B B B B B  
[redacted] [redacted] [redacted] OBX2021J30183       A A A A A   C C C C C   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30166       D D D D D   A A A A A   A A A A A   D D D D D   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30181       A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30147       C C C C C   A A A A A   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30112       A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30167       C C C C C   A A A A A   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30180       C C C C C   C C C C C   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30114       A A A A A   C C C C C   A A A A A   C C C C C   A A A A A   B B B B B   A A A A A   B B B B B  
[redacted] [redacted] [redacted] OBX2021J30375       C C C C C   C C C C C   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30367       A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30369       A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30361       A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30362       C C C C C   C C C C C   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30382       C C C C C   A A A A A   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30521       A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30291       A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30182       A A A A A   C C C C C   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30306       C C C C C   A A A A A   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30463       A A A A A   C C C C C   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30479       A A A A A   A A A A A   C C C C C   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30478       A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30422       C C C C C   B B B B B   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30406       C C C C C   A A A A A   B B B B B   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30497       A A A A A   C C C C C   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30532       A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30458       A A A A A   B B B B B   A A A A A   B B B B B   A A A A A   B B B B B   A A A A A   B B B B B  
[redacted] [redacted] [redacted] OBX2021J30434       C C C C C   A A A A A   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30296       C C C C C   C C C C C   C C C C C   C C C C C   B B B B B   B B B B B   A A A A A   B B B B B  
[redacted] [redacted] [redacted] OBX2021J30233       C C C C C   C C C C C   A A A A A   C C C C C   A A A A A   A A A A A   A A A A A   A A A A A  
[redacted] [redacted] [redacted] OBX2021J30194       C C C C C   C C C C C   A A A A A   C C C C C   A A A A A   B B B B B   A A A A A   B B B B B  
                                                                                                             

 

 

Exhibit 99.28

 

 

             
Exception Grades          
Run Date - 9/15/2021 7:14:29 PM          
AMC Loan ID Customer Loan ID Seller Loan ID Redacted Loan ID Investor Loan Number Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory 15E Category Exception Exception Detail Exception Information Compensating Factors Compensating Factor Information Applying Party Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Exception Remediation Overall
Initial Loan Grade		 Overall
Final Loan Grade		 Credit
Initial Loan Grade		 Credit
Final Loan Grade		 Compliance
Initial Loan Grade		 Compliance
Final Loan Grade		 Property
Initial Loan Grade		 Property
Final Loan Grade		 Originator QM ATR Status TPR QM ATR Status Is Curable
[redacted] [redacted] [redacted] OBX2021J30113   21048178     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Borrower/Co-borrower VVOEs were completed after closing but prior to funding. This does not meet the guideline requirement of 5 business days prior to closing.       Reviewer Comment (2021-04-09): Client acknowledges.     04/09/2021 2 B   CA Primary Refinance - Rate/Term   B B B B A A A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30113   21048179     Credit Title Document Error Title There is no dollar amount noted on the title policy.   The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-04-09): Client acknowledges.     04/09/2021 2 B   CA Primary Refinance - Rate/Term   B B B B A A A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30183   21318139     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. initial cd dated [redacted] and signed on [redacted]       Reviewer Comment (2021-05-12): [redacted] received proof of receipt, exception cleared.


Buyer Comment (2021-05-04): Initial CD and delivery		 05/12/2021     1 A   WA Primary Refinance - Rate/Term No Defined Cure C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30183   21318141     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower. Updated CD was due on [redacted] regarding discount point addition.  CD issued [redacted] does not meet 3 day re-disclosure requirement.       Reviewer Comment (2021-05-11): [redacted] Received COC showing loan amount changed.


Buyer Comment (2021-05-04): COC		 05/11/2021     1 A   WA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30166   21318133     Credit Credit Credit Documentation Missing Document Missing Document: Credit Report not provided   Credit Report Missing       Reviewer Comment (2021-05-10): Credit report provided.


Buyer Comment (2021-05-03): Credit report provided		 05/10/2021     1 A   CA Primary Refinance - Rate/Term   D A D A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30166   21318135     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   No asset documentation in file.       Reviewer Comment (2021-05-18): Sufficient bank statements and assets received. Cleared.


Buyer Comment (2021-05-13): Bank statements attached		 05/18/2021     1 A   CA Primary Refinance - Rate/Term   D A D A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30166   21318136     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Asset documentation missing from file.       Reviewer Comment (2021-05-18): Sufficient bank statements and assets received. Cleared.


Buyer Comment (2021-05-13): Bank statements attached		 05/18/2021     1 A   CA Primary Refinance - Rate/Term   D A D A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30166   21318137     Credit Credit Miscellaneous Guideline Credit Exception:   Missing P&L and Balance sheet for schedule C --       Reviewer Comment (2021-05-18): The YTD P&L's and Balance Sheets were provided for the Sch C income ([redacted]). Cleared.


Buyer Comment (2021-05-13): P&L and Balance Sheet attached		 05/18/2021     1 A   CA Primary Refinance - Rate/Term   D A D A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30147   21318142     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   The preliminary title report in file disclosed $[redacted] of title insurance coverage; however this is less than the loan amount of $[redacted].  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-05-03): Final Title provided, correct policy amount.


Buyer Comment (2021-04-24): Upload final title		 05/03/2021     1 A   WA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30147   21318143     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-04-13): Sufficient Cure Provided At Closing   04/13/2021   1 A   WA Primary Refinance - Rate/Term Final CD evidences Cure C A C A A A A A Safe Harbor QM Safe Harbor QM Yes
[redacted] [redacted] [redacted] OBX2021J30112   21318129     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-04-28): Sufficient Cure Provided At Closing   04/28/2021   1 A   CO Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM Yes
[redacted] [redacted] [redacted] OBX2021J30167   21318145     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2021-05-04): Client provided a VVOE dated within 5 business days prior to the Note.


Buyer Comment (2021-04-27): VVOE attached for Jad Awad		 05/04/2021     1 A   CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30167   21318146     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-04-19): Sufficient Cure Provided At Closing   04/19/2021   1 A   CA Primary Refinance - Rate/Term Final CD evidences Cure C A C A A A A A Safe Harbor QM Safe Harbor QM Yes
[redacted] [redacted] [redacted] OBX2021J30167   21318147     Credit Credit Miscellaneous Guideline Credit Exception:   [redacted] shows up on borrower Taxes for a 365 day period - however a prop profile on file lists as sold in [redacted] -- provide a Final Hud-1 or a final CD or Closing statement to verify       Reviewer Comment (2021-05-04): Cleared with uploaded docs.


Buyer Comment (2021-04-27): Asset documentation provided.		 05/04/2021     1 A   CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30180   22698869     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.         Reviewer Comment (2021-05-22): Tracking provided


Buyer Comment (2021-05-20): Affiliated business disclosure		 05/22/2021     1 A   LA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30180   22698870     Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. Job gap causing history to not meet the 24 month employment requisite       Reviewer Comment (2021-05-27): Gap letter provided.


Buyer Comment (2021-05-26): VOE both		 05/27/2021     1 A   LA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30180   22698871     Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. Job gap causing history to not meet the 24 month employment requisite       Reviewer Comment (2021-05-27): Gap letter and VOE provided.


Buyer Comment (2021-05-26): VOE both		 05/27/2021     1 A   LA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30180   22698872     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Job gap causing history to not meet the 24 month employment requisite       Reviewer Comment (2021-05-27): Gap letter and VOE provided. 05/27/2021     1 A   LA Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30180   22698873     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Initial Closing disclosure lacks proof of receipt       Reviewer Comment (2021-06-08): [redacted] received borrower acknowledgement of Initial CD


Buyer Comment (2021-06-03): Please see [redacted] image D0043 borrower responded "stating the received the Closing disclosure on [redacted].		 06/08/2021     1 A   LA Primary Purchase No Defined Cure C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30180   22698874     Credit Credit Miscellaneous Credit Reverification of rent is inconsistent with original VOR   "Borrower is missing 8 of 24 months cancelled rent checks for a 24 months consecutive rental history as required by guideline. Months  missing are: [redacted]"       Reviewer Comment (2021-05-25): 8 additional rent checks provided.


Buyer Comment (2021-05-23): rent checks uploaded.		 05/25/2021     1 A   LA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30114   22698876     Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. Missing verification of prior employment       Reviewer Comment (2021-04-15): Client Acknowledges     04/15/2021 2 B   CA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30114   22698877     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus 10% or $[redacted].  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded by $[redacted] due to the increased recording fee. No valid COC provided, nor evidence of cure in file. Note: The recording fee increased on[redacted] without a valid COC.       Reviewer Comment (2021-05-13): Received full cure package.


Buyer Comment (2021-05-13): Package picked up.


Reviewer Comment (2021-05-06): [redacted] received PCCD indicating cure, LOE, refund check, and shipping label. The shipping label indicates package is not yet mailed Exception may be cured once proof of mailing is available.


Buyer Comment (2021-04-26): ups label, lox, and pccd attached		   05/13/2021   2 B   CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
[redacted] [redacted] [redacted] OBX2021J30114   22698879     Credit Missing Document General Missing Document Missing Document: Desk Review not provided   Missing CDA required for Jumbo program.       Reviewer Comment (2021-06-07): Received CDA. Exception cleared.


Buyer Comment (2021-06-04): CDA		 06/07/2021     1 A   CA Primary Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30375   22698880     Credit System General Appraisal Reconciliation Valuation address does not match Note address.   The APN Number of the Security Instrument doesn't match the APN Number on the Appraisal.       Reviewer Comment (2021-06-11): cleared with uploaded doc's


Buyer Comment (2021-06-03): APN on appraisal of XXXXmatches Security instrument see attached appraisal		 06/11/2021     1 A   TX Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30375   22698882     Compliance Compliance Federal Compliance ATR/QM Defect Farming Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Farming Income). P&L Statement and Balance Sheet are missing for Farming Income from [redacted], please provide in order to resolve this exception.       Reviewer Comment (2021-06-11): cleared with uploaded doc's


Buyer Comment (2021-06-10): see attached		 06/11/2021     1 A   TX Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30375   22698883     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Once the documentation for the Faming Income is received this exception will be resolved.       Reviewer Comment (2021-06-11): cleared with uploaded doc's


Buyer Comment (2021-06-10): see attached		 06/11/2021     1 A   TX Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30369   22699079     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-07-08): Sufficient Cure Provided At Closing   07/08/2021   1 A   TX Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30362   22699087     Credit Loan Package Documentation Application / Processing Missing Document Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided   Missing loan approval and or 1008,       Reviewer Comment (2021-07-01): Received 1008. Exception cleared.


Buyer Comment (2021-06-30): 1008 attached		 07/01/2021     1 A   CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30362   22699089     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on [redacted], prior to three (3) business days from transaction date of [redacted]. Missing evidence of disbursement on or after [redacted]       Reviewer Comment (2021-07-01): Cleared with uploaded docs.


Buyer Comment (2021-06-29): Final Settlement Statement and PCCD With LOE (Disclosure Tracking Reason) showing true Disbursement Date.		 07/01/2021     1 A   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30362   22699091     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - Missing Insurance Verification, Statement, Tax Verification to verify Monthly PITIA Amount for REO Located at [redacted].       Reviewer Comment (2021-07-15): Proof of mortgage payment provided.


Buyer Comment (2021-07-13): REO Documents attached


Reviewer Comment (2021-07-02): Mortgage statement is missing to verify the taxes and insurance are escrowed or not. Exception remains


Buyer Comment (2021-06-30): REO documents attached		 07/15/2021     1 A   CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30362   22699092     Credit Loan Package Documentation Application / Processing Missing Document Missing Document: Approval not provided           Reviewer Comment (2021-07-01): Received 1008. Exception cleared.


Buyer Comment (2021-06-30): 1008 attached		 07/01/2021     1 A   CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30362   22699093     Credit Income / Employment Income Documentation Income / Employment The verification of employment does not meet the guideline requirements. - The most Recent Verification of Employment for Borrower was completed [redacted] which does not meet Lender COVID-19 document Requirement of 5 Business Days prior to Note Date of [redacted].       Reviewer Comment (2021-07-05): VVOE was provided.


Buyer Comment (2021-06-30): VOE attached		 07/05/2021     1 A   CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30382   22699098     Credit Income / Employment Income Documentation Income / Employment The verification of employment does not meet the guideline requirements. - The most Recent Verification of Employment for Borrower [redacted] was completed [redacted] which does not meet Lender COVID-19 document Requirement of 5 Business Days prior to Note Date of [redacted].       Reviewer Comment (2021-07-21): VVOE received on [redacted]. Exception clear.


Buyer Comment (2021-07-20): VOE		 07/21/2021     1 A   AZ Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30182   22699106     Compliance Compliance Miscellaneous Compliance Compliance Other Compliance Exception (Manual Add)   File missing VOE  dated within 5 business days prior closing.       Reviewer Comment (2021-06-11): Received.


Buyer Comment (2021-06-04): VOE


Reviewer Comment (2021-05-28): No new documents received. Employment verifications in file are dated [redacted] and [redacted], but not within 5 business days prior to closing. Please forward.


Buyer Comment (2021-05-26): voe		 06/11/2021     1 A   OR Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30306   22699112     Credit TRID General TRID Escrow holdbacks are present.   Final CD reflects Escrow Holdback not allowed in Jumbo Express guideline matrix       Reviewer Comment (2021-06-23): No Evidence of Escrow Holdback on across all CDs


Buyer Comment (2021-06-08): Note:  not funds were officially held back


Buyer Comment (2021-06-08): 1004D attached		 06/23/2021     1 A   IL Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30306   22699113     Credit Credit Miscellaneous Guideline Credit Exception:   Loan Data tape reflects Jumbo program -- However 1008 and Aus indicate Express -- Please verify program type       Reviewer Comment (2021-06-03): Client acknowledges reviewed to Express Program.


Buyer Comment (2021-06-01): Jumbo express		 06/03/2021     1 A   IL Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30306   22699114     Credit Credit Miscellaneous Guideline Credit Exception:   Missing P&L, Balanace sheet and all income docuemnts for [redacted] in Order to determine loss and to meet program guidelines       Reviewer Comment (2021-06-03): [redacted] dissolved [redacted], evidence sold on [redacted] tax losses are non recurring and carry over


Buyer Comment (2021-06-01): Dissolution of [redacted] attached		 06/03/2021     1 A   IL Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30463   22699223     Compliance Compliance Federal Compliance TILA TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website Unable to test Loan Originator Organization match due to missing information. NMLS website is offline at time of review       Reviewer Comment (2021-07-27): After further review the exception has been cleared.


Buyer Comment (2021-07-26): Please re-review. NMLS website is offline at time of review. The website may be available now.		 07/27/2021     1 A   MD Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30463   22699224     Compliance Compliance Federal Compliance TILA TILA NMLSR - Individual Originator License Status Not Approved Unable to test Individual Loan Originator license status due to missing information. NMLS website is offline at time of review       Reviewer Comment (2021-07-27): Verified with NMLS website. Exception cleared.


Buyer Comment (2021-07-26): Please re-review. NMLS website is offline at time of review. The website may be available now.		 07/27/2021     1 A   MD Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30463   22699225     Compliance Compliance Federal Compliance TILA Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application Unable to test Loan Originator license due to missing information. NMLS website is offline at time of review       Reviewer Comment (2021-07-27): Verified with NMLS website. Exception cleared.


Buyer Comment (2021-07-26): Please re-review. NMLS website is offline at time of review. The website may be available now.		 07/27/2021     1 A   MD Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30479   22699218     Property Property - Appraisal Appraisal Data Integrity Property - Appraisal Appraiser's license or certification was not active at the time of the appraisal. - Appraiser shows[redacted] as effective date of appraisal, however license issued[redacted].  Need proof of prior license effective date. None reflects in appraiser search tool.       Reviewer Comment (2021-08-12): Received previous appraiser certificate, exception cleared.


Buyer Comment (2021-08-10): previous Appraiser certified license proof of the prior license		 08/12/2021     1 A   TX Primary Purchase   C A A A A A C A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30422   22699230     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Reviewer Comment (2021-08-02): Received Acknowledgment  Document.


Buyer Comment (2021-07-30): Appraisal Independence Requirements Acknowledgment Disclosure.		 08/02/2021     1 A   MT Primary Purchase   C A C A B A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30422   22699232     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - P&L Statement, Balance Sheet, and Third Party Verification not found in the file for [redacted] Sched C Business       Reviewer Comment (2021-08-05): cleared with uploaded doc's


Buyer Comment (2021-08-03): YTD P&L and Balance sheet


Buyer Comment (2021-07-29): The income from this business is negative. 3rd party verifications are not required on businesses with negative income. Please waive.		 08/05/2021     1 A   MT Primary Purchase   C A C A B A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30406   22699213     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - VVOE not found in the file       Reviewer Comment (2021-08-05): Received VVOE on [redacted], Condition Cleared, 08/05/2021     1 A   CA Primary Refinance - Cash-out - Other   C A C A A A B A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30406   22699216     Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Appraisal is required to be in name of Lender -         Reviewer Comment (2021-08-05): Received Fictitious Business Name Statement showing dba as [redacted]. Condition Cleared


Buyer Comment (2021-08-02): PFN Fictitious Business Name Statement showing dba as [redacted].		 08/05/2021     1 A   CA Primary Refinance - Cash-out - Other   C A C A A A B A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30497   22699235     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-07-20): Sufficient Cure Provided At Closing   07/20/2021   1 A   CO Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
[redacted] [redacted] [redacted] OBX2021J30497   22699236     Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. Missing current paystub for B1, [redacted].   ATR failure due to insufficient income documentation.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2021-08-04): Loan is SHQM.


Reviewer Comment (2021-08-04): Re-open


Reviewer Comment (2021-08-02): Received paystubs. Exception cleared.


Buyer Comment (2021-08-01): pay stubs attached		 08/04/2021     1 A   CO Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30497   22699237     Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. ATR failure due to insufficient income documentation.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2021-08-04): Loan is SHQM. 08/04/2021     1 A   CO Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30497   22699238     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. Loan designation failure due to ATR failure.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2021-08-04): Loan is SHQM. 08/04/2021     1 A   CO Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
[redacted] [redacted] [redacted] OBX2021J30497   22699239     Compliance Compliance Federal Compliance ATR/QM Defect Wages Documentation Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. ATR failure due to insufficient income documentation.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2021-08-04): Exception cleared based on VVOE which can suffice with the amounts backstopped by the offer letter to satisfy the wage documentation requirements under Appendix Q.


Reviewer Comment (2021-08-04): Re-open


Reviewer Comment (2021-08-02): Received paystubs. Exception cleared.


Buyer Comment (2021-08-01): paystubs attached		 08/04/2021     1 A   CO Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30458   22699244     Compliance Compliance Federal Compliance ATR/QM Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted],  Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. This is an EV2 informational exception and can be waived/acknowledged.       Buyer Comment (2021-08-11): informational only - [redacted] extension in file


Reviewer Comment (2021-08-10): Extension received. This is an informational EV2 exception that does not affect grading. Client may acknowledge and request to waive.


Buyer Comment (2021-08-03): tax ext - form 7004		     08/11/2021 2 B   MD Primary Purchase   B B A A B B A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30458   22699245     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus 10% or $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-07-15): Sufficient Cure Provided At Closing   07/15/2021   1 A   MD Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30458   22699246     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-07-15): Sufficient Cure Provided At Closing   07/15/2021   1 A   MD Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30458   22699247     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-07-15): Sufficient Cure Provided At Closing   07/15/2021   1 A   MD Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30458   22699248     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-07-15): Sufficient Cure Provided At Closing   07/15/2021   1 A   MD Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30434   22699250     Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date:  ___ Dry state. Policy effective prior to closing but after note date       Reviewer Comment (2021-08-11): HOI effective date is same as disbursement date, so we can accept it, exception cleared.


Buyer Comment (2021-08-10): memo from the lender: In this state Borrowers don't take possession of the property until it gets release and recorded which it happens to be the date it gets funded in this case [redacted]. HOI is acceptable.


Reviewer Comment (2021-07-29): Please provide valid insurance document effective date stated as per Note Date which is [redacted], Exception Remains.


Buyer Comment (2021-07-27): This is a dry state as indicated, what do you need to clear this. The loan as stated on the final CD shows disbursement date as [redacted], thus the insurance was effective.		 08/11/2021     1 A   OR Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30296   22699255     Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). Balance sheet not found at time of review,[redacted]       Reviewer Comment (2021-07-05): Balance sheet was provided.


Buyer Comment (2021-07-01): Balance Sheet attached		 07/05/2021     1 A   CA Primary Refinance - Cash-out - Other   C B C B C B C A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30296   22699256     Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Employment - Schedule C Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. Balance sheet not found at time of review,[redacted]       Reviewer Comment (2021-07-05): Balance sheet was provided. 07/05/2021     1 A   CA Primary Refinance - Cash-out - Other   C B C B C B C A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30296   22699257     Compliance Compliance Federal Compliance ATR/QM Defect General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 38.31798% moderately exceeds the guideline maximum of 38.00%. (DTI Exception is eligible to be regraded with compensating factors.) The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.)       Reviewer Comment (2021-07-05): Balance sheet was provided. 07/05/2021     1 A   CA Primary Refinance - Cash-out - Other   C B C B C B C A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30296   22699258     Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. ATR failure due to insufficient income documentation.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2021-07-05): Balance sheet was provided. 07/05/2021     1 A   CA Primary Refinance - Cash-out - Other   C B C B C B C A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30296   22699259     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.       Reviewer Comment (2021-07-05): Balance sheet was provided. 07/05/2021     1 A   CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C B C A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30296   22699260     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. The representative FICO score exceeds the guideline minimum by at least 40 points.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrower has worked in the same position for more than 3 years.

Borrower has verified disposable income of at least $[redacted].

Borrower has been employed in the same industry for more than 5 years.		   Owner

Owner

Owner

Owner

Owner		 Reviewer Comment (2021-07-14): Client elects to waive with compensating factors.


Buyer Comment (2021-07-12): [redacted] DTI exception approved.		     07/14/2021 2 B   CA Primary Refinance - Cash-out - Other   C B C B C B C A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30296   22699261     Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. ATR failure due to insufficient income documentation.  This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2021-07-05): Balance sheet was provided. 07/05/2021     1 A   CA Primary Refinance - Cash-out - Other   C B C B C B C A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30296   22699262     Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. Third party verification/VOE was performed [redacted] which is after the closing date of [redacted].       Reviewer Comment (2021-07-14): Client elects to waive with compensating factors.


Buyer Comment (2021-07-12): [redacted] VOE exception approved.


Reviewer Comment (2021-07-09): Please provide VVOE on or 10 business days prior to closing date. Exception remains.


Buyer Comment (2021-07-08): This is  not informational a PTC Verification would be required


Reviewer Comment (2021-07-05): Exception is an EV2 informational and can be acknowledged.		     07/14/2021 2 B   CA Primary Refinance - Cash-out - Other   C B C B C B C A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30296   22699263     Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.         Reviewer Comment (2021-07-21): Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form provided. Cured.


Buyer Comment (2021-07-16): RTC Attestation (LOE)


Reviewer Comment (2021-07-14): Awaiting LOE as described in previous comment(s)


Buyer Comment (2021-07-14): The proof of delivery is that the borrowers signed it. LOE to be provided.


Reviewer Comment (2021-07-14): Rescission was re-opened.


Buyer Comment (2021-07-12): Please advise why proof of delivery is required on signed RTC.


Reviewer Comment (2021-07-09): Letter of Explanation to borrower and proof of delivery required.


Buyer Comment (2021-07-07): NRTC


Reviewer Comment (2021-07-05): New Money test was completed. [redacted] has discussed this scenario with outside counsel where the subject transaction is paying off multiple liens with different creditors, one of which is the same creditor, [redacted] will cite an EV-2 if the H-8 is used and will not cite an exception if the H-9 is used. Exception is EV-2 informational


Buyer Comment (2021-06-30): Would you please re-review with the new money test analyzer to see if in fact this loan would be exempt from re-opening rescission on the correct model form		   07/21/2021   2 B   CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C B C B C A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30296   22699264     Property Valuation Valuation Issue Valuation Loan requires a Desk Review to be within 10% of the Appraised Value.           Reviewer Comment (2021-07-21): Received a Clear Capital desk Review dated [redacted] which provided a value of $[redacted], with a 0.00% variance from the appraised value of $[redacted] value supported. Exception Cleared.


Buyer Comment (2021-07-19): CDA attached		 07/21/2021     1 A   CA Primary Refinance - Cash-out - Other   C B C B C B C A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30233   22699529     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Please provide replacement cost estimator       Reviewer Comment (2021-05-25): Replacement cost estimator provided.


Buyer Comment (2021-05-23): RCE attached		 05/25/2021     1 A   CA Primary Refinance - Cash-out - Home Improvement   C A C A C A A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30233   22699530     Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). Missing Balance Sheet and YE 202 P&L, YTD P&L.       Reviewer Comment (2021-07-28): P&L/Balance Sheet provided.


Reviewer Comment (2021-07-26): received date on [redacted] p/l account & balance sheet for[redacted] where there is no amount mentioned. hence the exception remains


Buyer Comment (2021-07-22): please explain why the P&L and BS are Invalid.


Reviewer Comment (2021-07-21): Invalid [redacted] YTD P&L & Balance Sheet has been Updated; Exception Remains


Buyer Comment (2021-07-20): see attached P&L & BS


Reviewer Comment (2021-06-26): Missing [redacted] YTD P&L and balance sheet; exception remains


Buyer Comment (2021-06-15): P&L and Bal Sheet for [redacted] uploaded


Reviewer Comment (2021-06-04): What was uploaded was the incorrect P&L and Balance sheets -- needed- the ones for the sole proprietorship [redacted]


Buyer Comment (2021-05-31): P&L and Balance sheet attached		 07/28/2021     1 A   CA Primary Refinance - Cash-out - Home Improvement   C A C A C A A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] OBX2021J30233   22699531     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. documentation missing for sole proprietor       Reviewer Comment (2021-07-28): P&L/Balance Sheet provided.


Reviewer Comment (2021-07-26): received date on [redacted] p/l account & balance sheet for [redacted] where there is no amount mentioned. hence the exception remains		 07/28/2021     1 A   CA Primary Refinance - Cash-out - Home Improvement Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
[redacted] [redacted] [redacted] OBX2021J30194   22699532     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.           Reviewer Comment (2021-05-21): Replacement cost estimator provided.


Buyer Comment (2021-05-18): Hazard insurance attached		 05/21/2021     1 A   NC Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30194   22699534     Compliance Compliance Federal Compliance ATR/QM Defect Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership).         Reviewer Comment (2021-06-10): Received required docs.


Buyer Comment (2021-06-03): see balance sheet		 06/10/2021     1 A   NC Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30194   22699535     Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).         Reviewer Comment (2021-07-07): Balance Sheet provided. Cleared.


Buyer Comment (2021-07-02): Balance sheet attached


Reviewer Comment (2021-06-10): Missing Balance Sheet.


Buyer Comment (2021-06-03): see P&L		 07/07/2021     1 A   NC Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30194   22699538     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $[redacted] exceeds tolerance of $[redacted].  Insufficient or no cure was provided to the borrower. insufficient cure provided       Reviewer Comment (2021-06-14): [redacted] Received PCCD, LOE, Refund Check and Proof of Mailing.


Buyer Comment (2021-06-08): LOE, refund check, PCCD and proof of mailing


Reviewer Comment (2021-05-27): [redacted] Appraisal fee is zero Percent tolerance and we require Valid COC for the fee increased. Please provide Valid COC or provide PCCD, LOE, Refund Check and Proof of Mailing to Cure.


Buyer Comment (2021-05-24): Per Lender: When we order an appraisal on a jumbo loan we estimate $[redacted] which is what we think the appraiser is going to up charge for it being a "complex property". When AppraisalTek receives the order they require the borrower to pay $[redacted] before they will assign it out. At that point they put the order out there and nobody knows what the bid will be until an appraiser accepts the job and puts a figure on it. We then know how much more the cost will be, and we send a COC. There really is not reason, its just the cost to get the appraisal done.


Reviewer Comment (2021-05-18): [redacted] received [redacted] LE and changed circumstance dated [redacted]. Changed Circumstance dated [redacted] does not give sufficient information on why the appraisal fee was increased, it only states that fee changed.  In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change.  A valid Changed Circumstance or cure requirements of Corrected CD, LOE to borrower, proof of mailing and copy of refund check are required.


Buyer Comment (2021-05-13): COC and corresponding LE		   06/14/2021   2 B   NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] OBX2021J30194   22699539     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2021-06-10): received. 06/10/2021     1 A   NC Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30194   22699540     Credit Credit Miscellaneous Guideline Credit Exception:   Missing Balance Sheet for ER Road Properties and Exact Distributions.  

The following missing items are from companies which shows a negative income and have over 25% ownership:  1) Air Quality Control - missing - [redacted] 1120S, P&L, Balance Sheet.  2) [redacted] - missing - [redacted] 1065s, P&L, Balance Sheet, and [redacted] K1.  3) [redacted] - missing - [redacted] 1065s, P&L, Balance Sheet, and [redacted] K1.		       Reviewer Comment (2021-07-21): Excluded. Final K1 and Returns no need to enter.


Buyer Comment (2021-07-16): please remove doc requirements for [redacted]; both companies are no longer in business; Final K-1 for [redacted] and Final return for [redacted] attached


Reviewer Comment (2021-07-15): Please provide [redacted] YTD P&L for [redacted].  YTD P&L/Balance Sheet for [redacted] and YTD P&L/Balance Sheet for [redacted].


Buyer Comment (2021-07-13): please remove [redacted] doc requirements for [redacted] - initial return filed in [redacted] (business started [redacted])


Buyer Comment (2021-07-13): Please remove income doc requirements for [redacted] 1065  is marked Final


Reviewer Comment (2021-06-27): Still missing 1) current YTD P&L and Balance Sheet for [redacted] 2) [redacted] - missing - [redacted] 1065s, P&L, Balance Sheet, and [redacted] K1 3) SBP LLC - missing - [redacted] 1065s, P&L, Balance Sheet, and 2018 K1.


Buyer Comment (2021-06-15): Balance Sheet for [redacted] attached


Buyer Comment (2021-06-15): [redacted] 1065 SBP attached


Buyer Comment (2021-06-15): [redacted] and [redacted] 1065 Vesticor Advisors attached


Buyer Comment (2021-06-15): [redacted] 1120S attached		 07/21/2021     1 A   NC Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30194   22699541     Compliance Compliance Federal Compliance ATR/QM Defect Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). Please refer to exception listing all missing income docs       Reviewer Comment (2021-06-10): Final K1 supplied.


Buyer Comment (2021-06-03): Vesticor balance sheet		 06/10/2021     1 A   NC Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] OBX2021J30194   22699543     Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). Please refer to exception listing all missing income docs       Reviewer Comment (2021-07-21): Excluded. Final K-1 and 1065 provided. 07/21/2021     1 A   NC Primary Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
                                                                               

 

 

Exhibit 99.29

 

                                                                                                                                 
Valuation Report                                                                                                                                  
Run Date - 9/15/2021 7:14:29 PM                                                                                                                                  
LOAN INFORMATION ORIGINATION VALUES AVM VALUES DESK REVIEW VALUES DESK TOP REVIEW VALUES BPO VALUES FIELD REVIEW VALUES 2055 VALUES AVE/CMA VALUES HYBRID VALUES UPDATED VALUES UPDATED MULTIPROPERTY VALUES
SitusAMC Loan ID Customer Loan ID Seller Loan ID Redacted Loan ID Investor Loan Number Note Date Original Loan Amount Sales Price Appraised Value Value for LTV Appraisal Date Appraisal Valuation Type Second Appraisal Value Variance Amount Variance Percent Second Appraisal Date Second Appraisal Type Second Appraisal Confidence Score Appraised Value Variance Amount Variance Percent Company Confidence
Score		 Appraisal Date Appraised Value Variance Amount Variance Percent Company Risk Score Appraisal Date Appraised Value Variance Amount Variance Percent Company Appraisal Date Appraised Value Variance Amount Variance Percent Company Appraisal Date Appraised Value Variance Amount Variance Percent Company Appraisal Date Appraised Value Variance Amount Variance Percent Company Appraisal Date Appraised Value Variance Amount Variance Percent Company Appraisal Date Appraised Value Variance Amount Variance Percent Company Appraisal Date Appraised Value Variance Amount Variance Percent Company Appraisal Date Aggregate Appraised Value Aggregate Variance Amount Aggregate Variance Percent Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor? Collateral Underwriter Risk Score
[redacted] [redacted] [redacted] OBX2021J30113               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30183               Appraisal     0.000%   Desk Review                                                                                                       No 2.20
[redacted] [redacted] [redacted] OBX2021J30166               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30181               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30147               Appraisal     0.000%   Desk Review                                                                                                       No  
[redacted] [redacted] [redacted] OBX2021J30112               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30167               Appraisal     0.000%   Desk Review                                                                                                       No  
[redacted] [redacted] [redacted] OBX2021J30180               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30114               Appraisal     0.000%   Desk Review                                                                                                       Yes  
[redacted] [redacted] [redacted] OBX2021J30375               Appraisal     0.000%   Desk Review                                                                                                       N/A 2.00
[redacted] [redacted] [redacted] OBX2021J30367               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30369               Appraisal     0.000%   Desk Review                                                                                                       Yes 4.20
[redacted] [redacted] [redacted] OBX2021J30361               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30362               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30382               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30521               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30291               Appraisal     0.000%   Desk Review                                                                                                       No 4.40
[redacted] [redacted] [redacted] OBX2021J30182               Appraisal     0.000%   Desk Review                                                                                                       Yes  
[redacted] [redacted] [redacted] OBX2021J30306               Appraisal     0.000%   Desk Review                                                                                                       N/A 3.40
[redacted] [redacted] [redacted] OBX2021J30463               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30479               Appraisal     0.000%   Desk Review                                                                                                       No 1.00
[redacted] [redacted] [redacted] OBX2021J30478               Appraisal     0.000%   Desk Review                                                                                                       Yes 2.20
[redacted] [redacted] [redacted] OBX2021J30422               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30406               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30497               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30532               Appraisal     0.000%   Desk Review                                                                                                       N/A  
[redacted] [redacted] [redacted] OBX2021J30458               Appraisal     0.000%   Desk Review                                                                                                       No 1.70
[redacted] [redacted] [redacted] OBX2021J30434               Appraisal     0.000%   Desk Review                                                                                                       No 1.90
[redacted] [redacted] [redacted] OBX2021J30296               Appraisal     0.000%   Desk Review                                                                                                       Yes 2.00
[redacted] [redacted] [redacted] OBX2021J30233               Appraisal     0.000%   Desk Review                                                                                                       No 2.00
[redacted] [redacted] [redacted] OBX2021J30194               Appraisal     0.000%   Desk Review                                                                                                       N/A 3.00

 

 

Exhibit 99.30

 

Data Compare (Non-Ignored)
Run Date - 9/15/2021 7:14:58 PM
AMC Loan ID Customer Loan ID Seller Loan ID Redacted Loan ID Investor Loan Number Field Label Bid Tape Field Value Field Value Compare Status Comment
[redacted] [redacted] [redacted] OBX2021J30113   Original LTV [redacted] [redacted] Verified Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
[redacted] [redacted] [redacted] OBX2021J30113   Original CLTV [redacted] [redacted] Verified Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
[redacted] [redacted] [redacted] OBX2021J30113   Representative FICO [redacted] [redacted] Verified Field Value Representative FICO reflects the lowest mid score of all borrowers
[redacted] [redacted] [redacted] OBX2021J30183   Original LTV [redacted] [redacted] Verified Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
[redacted] [redacted] [redacted] OBX2021J30183   Original CLTV [redacted] [redacted] Verified Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
[redacted] [redacted] [redacted] OBX2021J30183   Note Date   [redacted] Verified Unable to verify due to missing information
[redacted] [redacted] [redacted] OBX2021J30183   Refi Purpose   [redacted] Verified Unable to verify due to missing information
[redacted] [redacted] [redacted] OBX2021J30166   Refi Purpose   [redacted] Verified Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
[redacted] [redacted] [redacted] OBX2021J30166   Note Date   [redacted] Verified Field Value reflects Note Date per the Note
[redacted] [redacted] [redacted] OBX2021J30147   Property Type [redacted] [redacted] Verified Field Value captured from Appraisal or Valuation model in file
[redacted] [redacted] [redacted] OBX2021J30147   Original Loan Amount [redacted] [redacted] Verified Field Value reflects the Note value
[redacted] [redacted] [redacted] OBX2021J30112   Note Date   [redacted] Verified Field Value reflects Note Date per the Note
[redacted] [redacted] [redacted] OBX2021J30167   Note Date   [redacted] Verified Unable to verify due to missing information
[redacted] [redacted] [redacted] OBX2021J30167   Refi Purpose   [redacted] Verified Unable to verify due to missing information
[redacted] [redacted] [redacted] OBX2021J30114   Original LTV [redacted] [redacted] Verified Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
[redacted] [redacted] [redacted] OBX2021J30114   Original CLTV [redacted] [redacted] Verified Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
[redacted] [redacted] [redacted] OBX2021J30114   Note Date   [redacted] Verified Unable to verify due to missing information
[redacted] [redacted] [redacted] OBX2021J30114   Refi Purpose   [redacted] Verified Unable to verify due to missing information
[redacted] [redacted] [redacted] OBX2021J30375   Property Type [redacted] [redacted] Verified Field Value captured from Appraisal or Valuation model in file
[redacted] [redacted] [redacted] OBX2021J30375   Representative FICO [redacted] [redacted] Verified Field Value Representative FICO reflects the lowest mid score of all borrowers
[redacted] [redacted] [redacted] OBX2021J30367   Original LTV [redacted] [redacted] Verified Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases)
[redacted] [redacted] [redacted] OBX2021J30367   Original CLTV [redacted] [redacted] Verified Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
[redacted] [redacted] [redacted] OBX2021J30361   Decision System [redacted] [redacted] Verified Field value reflects source document
[redacted] [redacted] [redacted] OBX2021J30361   Investor: Qualifying Total Debt Ratio [redacted] [redacted] Verified Ratios are within guidelines
[redacted] [redacted] [redacted] OBX2021J30362   Investor: Qualifying Total Debt Ratio [redacted] [redacted] Verified Lenders DTI [redacted]%.
[redacted] [redacted] [redacted] OBX2021J30382   Note Date   [redacted] Verified Field Value reflects Note Date per the Note
[redacted] [redacted] [redacted] OBX2021J30382   Decision System   [redacted] Verified No AUS used
[redacted] [redacted] [redacted] OBX2021J30291   Property Type [redacted] [redacted] Verified Field Value captured from Appraisal or Valuation model in file
[redacted] [redacted] [redacted] OBX2021J30291   Investor: Qualifying Total Debt Ratio [redacted] [redacted] Verified Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
[redacted] [redacted] [redacted] OBX2021J30291   City [redacted] [redacted] Verified Field Value reflects City per Note
[redacted] [redacted] [redacted] OBX2021J30291   Decision System [redacted] [redacted] Verified Field value reflects source document
[redacted] [redacted] [redacted] OBX2021J30291   Representative FICO [redacted] [redacted] Verified Field Value Representative FICO reflects the lowest mid score of all borrowers
[redacted] [redacted] [redacted] OBX2021J30182   Investor: Qualifying Total Debt Ratio [redacted] [redacted] Verified DTI variance due to debt included in calculation that was paid off at or prior to closing.
[redacted] [redacted] [redacted] OBX2021J30306   Original Interest Rate [redacted] [redacted] Verified Field Value reflects the Note value
[redacted] [redacted] [redacted] OBX2021J30306   Representative FICO [redacted] [redacted] Verified Field Value Representative FICO reflects the lowest mid score of all borrowers
[redacted] [redacted] [redacted] OBX2021J30306   Investor: Qualifying Total Debt Ratio [redacted] [redacted] Verified Field value was verified as accurate compared to Bid  Tape and is correct at [redacted] DTI
[redacted] [redacted] [redacted] OBX2021J30463   Investor: Qualifying Total Debt Ratio [redacted] [redacted] Verified Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
[redacted] [redacted] [redacted] OBX2021J30463   City [redacted] [redacted] Verified Field Value reflects City per Note
[redacted] [redacted] [redacted] OBX2021J30463   Decision System [redacted] [redacted] Verified Field value reflects source document
[redacted] [redacted] [redacted] OBX2021J30463   Street [redacted] [redacted] Verified Field Value reflects Street per Note
[redacted] [redacted] [redacted] OBX2021J30479   Original LTV [redacted] [redacted] Verified Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases)
[redacted] [redacted] [redacted] OBX2021J30479   Original CLTV [redacted] [redacted] Verified Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
[redacted] [redacted] [redacted] OBX2021J30479   Borrower FTHB [redacted] [redacted] Verified Field Value verified by Application, Credit Report or other documentation in file
[redacted] [redacted] [redacted] OBX2021J30479   Note Date   [redacted] Verified Unable to verify due to missing information
[redacted] [redacted] [redacted] OBX2021J30479   Decision System   [redacted] Verified Unable to verify due to missing information
[redacted] [redacted] [redacted] OBX2021J30478   Original LTV [redacted] [redacted] Verified Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
[redacted] [redacted] [redacted] OBX2021J30478   Original CLTV [redacted] [redacted] Verified Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
[redacted] [redacted] [redacted] OBX2021J30422   Investor: Qualifying Total Debt Ratio [redacted] [redacted] Verified Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
[redacted] [redacted] [redacted] OBX2021J30422   Decision System [redacted] [redacted] Verified Field value reflects source document
[redacted] [redacted] [redacted] OBX2021J30422   Street [redacted] [redacted] Verified Field Value reflects Street per Note
[redacted] [redacted] [redacted] OBX2021J30422   Original Loan Amount [redacted] [redacted] Verified Field Value reflects the Note value
[redacted] [redacted] [redacted] OBX2021J30422   Zip [redacted] [redacted] Verified Field Value reflects Zip per Note
[redacted] [redacted] [redacted] OBX2021J30406   Note Date   [redacted] Verified Field Value reflects Note Date per the Note
[redacted] [redacted] [redacted] OBX2021J30406   Decision System   [redacted] Verified Field value reflects source document
[redacted] [redacted] [redacted] OBX2021J30497   Investor: Qualifying Total Debt Ratio [redacted] [redacted] Verified Bid Tape is not consistent with the loan file.  1008 reflects [redacted]%
[redacted] [redacted] [redacted] OBX2021J30458   Investor: Qualifying Total Debt Ratio [redacted] [redacted] Verified bid tape dti verified and matches with u/w 1008 within 1% less than 43%
[redacted] [redacted] [redacted] OBX2021J30458   Note Date   [redacted] Verified Unable to verify due to missing information
[redacted] [redacted] [redacted] OBX2021J30458   Decision System   [redacted] Verified Unable to verify due to missing information
[redacted] [redacted] [redacted] OBX2021J30434   Investor: Qualifying Total Debt Ratio [redacted] [redacted] Verified Field Value DTI is higher than Tape value but within 3% and < 45% DTI
[redacted] [redacted] [redacted] OBX2021J30434   Decision System [redacted] [redacted] Verified Field value reflects source document
[redacted] [redacted] [redacted] OBX2021J30434   Zip [redacted] [redacted] Verified Field Value reflects Zip per Note
[redacted] [redacted] [redacted] OBX2021J30296   Note Date   [redacted] Verified Field Value reflects Note Date per the Note
[redacted] [redacted] [redacted] OBX2021J30296   Decision System [redacted] [redacted] Verified Field value reflects source document

 

 

Exhibit 99.31

 

Ernst & Young LLP

One Manhattan West

New York, NY 10001

  

Tel: +1 212 773 3000

Fax: +1 212 773 6350

ey.com

 

Report of Independent Accountants on Applying Agreed-Upon Procedures

 

 

Onslow Bay Financial LLC

Onslow Bay Funding LLC

1211 Avenue of the Americas, Suite 2902

New York, New York 10036

 22 September 2021

 

 

Re:OBX 2021-J3 Trust (the “Issuer”)

Mortgage-Backed Notes, Series 2021-J3 (the “Notes”)

Sample Mortgage Loan Agreed-Upon Procedures

 

 

We have performed the procedures enumerated in Attachment A, which were agreed to and acknowledged as appropriate by Onslow Bay Financial LLC (the “Sponsor”), Onslow Bay Funding LLC (the “Depositor”) and BofA Securities, Inc. (“BofA Securities,” together with the Sponsor and Depositor, the “Specified Parties”), for the intended purpose of assisting the Specified Parties in evaluating the accuracy of certain information relating to a pool of fixed rate mortgage loans (the “Mortgage Loans”) relating to the Issuer’s securitization transaction. This report may not be suitable for any other purpose. The procedures performed may not address all of the items of interest to a user of the report and may not meet the needs of all users of the report and, as such, users are responsible for determining whether the procedures performed are appropriate for their purposes. The appropriateness of these procedures is solely the responsibility of the Specified Parties identified in this report. No other party acknowledged the appropriateness of the procedures. Consequently, we make no representation regarding the appropriateness of the procedures described in Attachment A, either for the purpose for which this report has been requested or for any other purpose.

 

The procedures performed and our associated findings are included in Attachment A.

 

For the purpose of the procedures described in this report, BofA Securities, on behalf of the Depositor, provided us with:

a.Electronic data files:
i.Labeled “OBX 2021-J3 Request (EY).xlsx” and the corresponding record layout and decode information, as applicable (the “Loan Listing Data File”), that BofA Securities, on behalf of the Depositor, indicated contains a list of loan numbers (each, a “Loan Number”) corresponding to certain mortgage loans (the “Loan Listing Mortgage Loans”) and
ii.Labeled “OBX 2021-J3 Prelim ASF Tape 20210915.xlsx” and the corresponding record layout and decode information, as applicable (the “Preliminary Data File,” together with the Loan Listing Data File, the “Provided Data Files”), that BofA Securities, on behalf of the Depositor, indicated contains information as of 1 September 2021 (the ”Cut-off Date”) relating to certain mortgage loans (the “Preliminary Mortgage Loans”) that are expected to be representative of the Mortgage Loans and
b.Instructions, assumptions and methodologies, which are described in Attachment A.

 

 

 

Page 2 of 3

 

For the purpose of the procedures described in this report, the Sponsor, on behalf of the Depositor, provided us with:

a.Imaged copies of the:
i.Promissory note (the “Promissory Note”),
ii.Loan application (the “Loan Application”),
iii.Appraisal report (the “Appraisal”),
iv.Settlement statement, refinance statement or closing disclosure (collectively and as applicable, the “Settlement Statement”) and/or
v.Underwriting summary (the “Underwriting Summary,” together with the Promissory Note, Loan Application, Appraisal and Settlement Statement, the “Source Documents”)

that the Sponsor, on behalf of the Depositor, indicated relate to the Sample Mortgage Loans (as defined in Attachment A),

b.The list of relevant characteristics (the “Sample Characteristics”) on the Preliminary Data File, which is shown on Exhibit 1 to Attachment A, and
c.Instructions, assumptions and methodologies, which are described in Attachment A.

 

For the purpose of the procedures described in this report, the Preliminary Data File is the “Subject Matter” as of the date of this report.

 

The procedures included in Attachment A were limited to comparing or recalculating certain information that is further described in Attachment A. The Depositor is responsible for the Subject Matter, Provided Data Files, Source Documents, Sample Characteristics and the determination of the instructions, assumptions and methodologies that are described herein. We were not requested to perform, and we have not performed, any procedures other than those listed in Attachment A. We have not verified, and we make no representation as to, the accuracy, completeness or reasonableness of the Source Documents or any other information provided to us, or that we were instructed to obtain, as applicable, by BofA Securities or the Sponsor, on behalf of the Depositor, upon which we relied in forming our findings. Accordingly, we make no representation and express no opinion or conclusion as to (a) the existence of the Loan Listing Mortgage Loans, Preliminary Mortgage Loans or Mortgage Loans, (b) questions of legal or tax interpretation or (c) the appropriateness, accuracy, completeness or reasonableness of any instructions, assumptions and methodologies provided to us by BofA Securities or the Sponsor, on behalf of the Depositor, that are described in this report. We undertake no responsibility to update this report for events and circumstances occurring after the date hereof.

 

This agreed-upon procedures engagement was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants (the “AICPA”). An agreed-upon procedures engagement involves the practitioner performing specific procedures that the Specified Parties have agreed to and acknowledged to be appropriate for the purpose of the engagement and reporting on findings based on the procedures performed. We were not engaged to, and did not, conduct an examination to express an opinion or a review to express a conclusion in accordance with attestation standards established by the AICPA on any of the items referred to herein. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.

 

 

 

Page 3 of 3

 

The agreed-upon procedures described in this report were not performed for the purpose of:

a.Satisfying any criteria for due diligence published by a nationally recognized statistical rating organization (a “rating agency”) or
b.Making any findings with respect to:
i.Whether the origination of the Mortgage Loans conformed to, or deviated from, stated underwriting or credit extension guidelines, standards, criteria, or other requirements,
ii.The value of the collateral securing the Mortgage Loans,
iii.Whether the originator(s) of the Mortgage Loans complied with federal, state or local laws or regulations or
iv.Any other factor or characteristic of the Mortgage Loans that would be material to the likelihood that the issuer of the Notes will pay interest and principal in accordance with applicable terms and conditions.

 

We are required to be independent of the Depositor and to meet our other ethical responsibilities, as applicable for agreed-upon procedures engagements set forth in the Preface: Applicable to All Members and Part 1 – Members in Public Practice of the Code of Professional Conduct established by the AICPA . Independence requirements for agreed upon procedure engagements are less restrictive than independence requirements for audit and other attestation services.

 

This report is intended solely for the information and use of the Specified Parties and is not intended to be, and should not be, used by anyone other than the Specified Parties. It is not intended to be, and should not be, used by any other person or entity, including investors and rating agencies, who are not identified in the report as Specified Parties but who may have access to this report as required by law or regulation.

 

/s/ Ernst & Young LLP

 

22 September 2021

 

 

 

Attachment A

 

Procedures performed and our associated findings

 

1.As instructed by the Sponsor, on behalf of the Depositor, we randomly selected a sample of 54 Loan Listing Mortgage Loans from the Loan Listing Data File (the “Base Sample Mortgage Loans”). For the purpose of this procedure, the Sponsor, on behalf of the Depositor, did not inform us as to the basis for how they determined the number of Base Sample Mortgage Loans or the methodology they instructed us to use to select the Base Sample Mortgage Loans from the Loan Listing Data File.

 

2.For each mortgage loan on the Loan Listing Data File and Preliminary Data File, we compared the Loan Number, as shown on the Loan Listing Data File, to the corresponding Loan Number, as shown on the Preliminary Data File, and noted that:
a.All of the Preliminary Mortgage Loans included on the Preliminary Data File were included on the Loan Listing Data File,
b.66 of the Loan Listing Mortgage Loans included on the Loan Listing Data File were not included on the Preliminary Data File (the “Removed Loan Listing Mortgage Loans”) and
c.Five of the Removed Loan Listing Mortgage Loans were Base Sample Mortgage Loans (the “Removed Base Sample Mortgage Loans”).

 

The Removed Base Sample Mortgage Loans were Base Sample Mortgage Loans with Loan Numbers [REDACTED], [REDACTED], [REDACTED], [REDACTED] and [REDACTED].

 

3.For the 49 Base Sample Mortgage Loans included on the Preliminary Data File (each, a “Sample Mortgage Loan”), we compared the Sample Characteristics listed on Exhibit 1 to Attachment A, as shown on the Preliminary Data File, to the corresponding information located in, or to the corresponding information we recalculated using information located in, the Source Documents, subject to the instructions, assumptions and methodologies provided by the Sponsor, on behalf of the Depositor, described in the notes to Exhibit 1 to Attachment A. The Source Document(s) that we were instructed by the Sponsor, on behalf of the Depositor, to use for each Sample Characteristic are shown on Exhibit 1 to Attachment A. Except for the information shown on Exhibit 2 to Attachment A, all such compared information was in agreement.

 

 

 

Exhibit 1 to Attachment A

Page 1 of 4

 

  

Sample Characteristics and Source Documents

 

Sample Characteristic  

Preliminary

Data File Field Name

   Source Document(s)   Note(s)
             
Loan Number   Seller Loan Number   Promissory Note   i.
             
Original principal balance   Original Loan Amount   Promissory Note    
             
Original interest rate   Original Interest Rate   Promissory Note    
             
First payment date   First Payment Date of Loan   Promissory Note    
             
Original amortization term   Original Amortization Term   Loan Application    
             
Original term to maturity   Original Term to Maturity   Promissory Note and recalculation   ii.
             
Property state   State   Promissory Note    
             
Property zip code   Postal Code   Promissory Note    
             
Prepayment charge term   Prepayment Penalty Total Term   Promissory Note    
             
Interest only term   Original Interest Only Term   Promissory Note    
             
Occupancy status   Occupancy   Loan Application    
             
Sale price (if applicable)   Sales Price   Settlement Statement or Appraisal   iii.
             
Property type   Property Type   Appraisal    

 

 

 

 

Exhibit 1 to Attachment A

Page 2 of 4

 

 

Sample Characteristic  

Preliminary

Data File Field Name

   Source Document(s)   Note(s)
             
Loan purpose   Loan Purpose  

(a)    Loan Application and Settlement Statement or

(b)   Settlement Statement and Promissory Note

   iv.
             
Appraisal value   Original Appraisal Property Value   Appraisal   v.
             
Junior lien balance   Junior Mortgage Balance   Underwriting Summary    
             
Original loan-to-value ratio   Original LTV   Recalculation   vi.
             
Combined loan-to-value ratio   Original CLTV   Recalculation   vii.

 

Notes:

 

i.For identification purposes only.

 

ii.For the purpose of comparing the original term to maturity Sample Characteristic for each Sample Mortgage Loan, the Sponsor, on behalf of the Depositor, instructed us to recalculate the original term to maturity as the sum of:
(a)The difference in months between the maturity date and first payment date, both as shown in the Promissory Note, and
(b)1.

 

iii.For the purpose of comparing the sale price (if applicable) Sample Characteristic for each Sample Mortgage Loan (except for the Sample Mortgage Loan with Loan Number [REDACTED]), the Sponsor, on behalf of the Depositor, instructed us to use the Settlement Statement as the Source Document.

 

For the purpose of comparing the sale price (if applicable) Sample Characteristic for the Sample Mortgage Loan with Loan Number [REDACTED], the Sponsor, on behalf of the Depositor, instructed us to use the sale price related to the purchase of the related mortgaged property by the borrower, as shown in the Appraisal.

 

iv.For the purpose of comparing the loan purpose Sample Characteristic for each Sample Mortgage Loan with a loan purpose of “First Time Home Purchase” or “Other-than-first-time Home Purchase,” as shown on the Preliminary Data File (each, a “Purchase Sample Mortgage Loan”), the Sponsor, on behalf of the Depositor, instructed us to use the Loan Application and Settlement Statement as the Source Documents.

 

 

 

Exhibit 1 to Attachment A

Page 3 of 4

 

 

Notes: (continued)

 

iv. (continued)

 

For the purpose of comparing the loan purpose Sample Characteristic for each remaining Sample Mortgage Loan (each, a “Refinanced Sample Mortgage Loan”), the Sponsor, on behalf of the Depositor, instructed us to note agreement with:

(a)“Cash-Out Refinance,” as shown on the Preliminary Data File, if:
(1)There is no sales price, as shown in the Settlement Statement, and
(2)The cash out amount, as shown on the Preliminary Data File, is greater than the greater of (i) $2,000 and (ii) 1% of the original principal balance of the Refinanced Sample Mortgage Loan, as shown in the Promissory Note, or
(b)“Rate/Term Refinance,” as shown on the Preliminary Data File, if:
(1)There is no sales price, as shown in the Settlement Statement, and
(2)The cash out amount, as shown on the Preliminary Data File, is less than or equal to the greater of (i) $2,000 and (ii) 1% of the original principal balance of the Refinanced Sample Mortgage Loan, as shown in the Promissory Note.

 

v.For the purpose of comparing the appraisal value Sample Characteristic for each Sample Mortgage Loan, the Sponsor, on behalf of the Depositor, instructed us to use the Appraisal with the lowest appraisal value for Sample Mortgage Loans that have more than one Appraisal.

 

vi.For the purpose of comparing the original loan-to-value ratio Sample Characteristic for each Sample Mortgage Loan, the Sponsor, on behalf of the Depositor, instructed us to recalculate the original loan-to-value ratio by:
(a)Dividing:
(1)The original principal balance, as shown in the Promissory Note, by
(2)Either:
(i)In the case of a Purchase Sample Mortgage Loan and the Sample Mortgage Loan with Loan Number [REDACTED], the lesser of (A) the appraisal value, as shown in the Appraisal (and in accordance with any other applicable notes(s)), and (B) the sale price (if applicable), as shown in the Settlement Statement or Appraisal (and in accordance with any other applicable notes(s)), or
(ii)In the case of a Refinanced Sample Mortgage Loan (except for the Sample Mortgage Loan with Loan Number [REDACTED]), the appraisal value, as shown in the Appraisal (and in accordance with any other applicable notes(s)), and
(b)Rounding the value calculated in (a) to the fourth decimal place (xx.xx%).

 

For the purpose of the comparison described in this note, the Sponsor, on behalf of the Depositor, instructed us to ignore differences of +/- 0.1% or less.

 

 

Exhibit 1 to Attachment A

Page 4 of 4 

 

 

Notes: (continued)

 

vii.For the purpose of comparing the combined loan-to-value ratio Sample Characteristic for each Sample Mortgage Loan, the Sponsor, on behalf of the Depositor, instructed us to recalculate the combined loan-to-value ratio by:
(a)Dividing:
(1)The sum of:
(i)The original principal balance, as shown in the Promissory Note, and
(ii)The junior lien balance, if applicable, as shown in the Underwriting Summary, by

(2)                Either:

(i)In the case of a Purchase Sample Mortgage Loan and the Sample Mortgage Loan with Loan Number [REDACTED], the lesser of (A) the appraisal value, as shown in the Appraisal (and in accordance with any other applicable notes(s)), and (B) the sale price (if applicable), as shown in the Settlement Statement or Appraisal (and in accordance with any other applicable notes(s)), or
(ii)In the case of a Refinanced Sample Mortgage Loan (except for the Sample Mortgage Loan with Loan Number [REDACTED]), the appraisal value, as shown in the Appraisal (and in accordance with any other applicable notes(s)), and
(b)Rounding the value calculated in (a) to the fourth decimal place (xx.xx%).

 

For the purpose of the comparison described in this note, the Sponsor, on behalf of the Depositor, instructed us to ignore differences of +/- 0.1% or less.

 

We performed no procedures to determine the accuracy, completeness or reasonableness of the instructions, assumptions and methodologies provided by the Sponsor, on behalf of the Depositor, described in the notes above.

 

 

Exhibit 2 to Attachment A

 

 

 

Sample Characteristic Differences

 

 

Loan Number

Sample

Characteristic

Preliminary

Data File Value

Source Document Value
       
[REDACTED] Loan purpose Cash-Out Refinance Rate/Term Refinance
       
[REDACTED] Property type Single Family Detached (non-PUD) PUD